Derby, VT · Cert 6271 · Community Bcorp
National charter · OCC · 12 branches
Q2 2026
Market Position · Burlington-South Burlington, VT · 2026 SOD (annual) · 0.6% share · #13 of 15 inst. · $0.1B of $8.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.22% | 1.25% | 1.36% | 1.46% | 1.49% | 1.50% | 1.58% | +22 bps | |
| Return on Equity | 12.25% | 13.31% | 13.53% | 14.26% | 15.06% | 15.35% | 14.85% | 15.07% | +80 bps | |
| Net Interest Margin | 3.04% | 2.93% | 3.24% | 3.35% | 3.42% | 3.36% | 3.58% | 3.69% | +34 bps | |
| Efficiency Ratio | 60.62% | 58.79% | 57.42% | 55.75% | 54.12% | 53.76% | 53.98% | 52.83% | -292 bps | |
| Non-Interest Burden | 1.58% | 1.47% | 1.62% | 1.58% | 1.54% | 1.50% | 1.66% | 1.62% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.68% | 13.61% | 7.30% | 6.01% | 4.16% | 3.10% | 3.99% | 0.53% | -549 bps | |
| Loan Growth (YoY) | 8.84% | 9.76% | 8.54% | 9.31% | 5.53% | 4.05% | 4.63% | 3.07% | -624 bps | |
| Deposit Growth (YoY) | 3.11% | 11.65% | 10.84% | 9.92% | 8.52% | 6.91% | 3.91% | 5.23% | -469 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.59% | 0.98% | 1.00% | 0.98% | 0.89% | 0.78% | 0.79% | 0.86% | -12 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.14% | 0.02% | 0.02% | 0.01% | 0.04% | 0.00% | -0.01% | -2 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.08% | 1.12% | 1.12% | 1.12% | 1.15% | 1.22% | +10 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.1x | 1.1x | 1.1x | 1.3x | 1.5x | 1.4x | 1.4x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 9.40% | 9.81% | 10.06% | 10.28% | 9.92% | 10.19% | 10.63% | +57 bps | |
| Total Risk-Based Capital | 14.77% | 14.76% | 14.94% | 14.85% | 15.34% | 15.38% | 15.62% | 16.05% | +120 bps | |
| Equity / Assets | 9.38% | 8.82% | 9.70% | 10.14% | 10.07% | 9.75% | 10.44% | 11.31% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.13% | 92.61% | 95.99% | 100.95% | 95.43% | 90.13% | 96.65% | 98.87% | -208 bps | |
| Liquid Assets / Assets | 2.92% | 8.13% | 1.34% | 0.23% | 4.04% | 9.09% | 4.50% | 0.54% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 385% | 379% | n/a | n/a | |