BlastPoint's Banking Scorecard
The Brattleboro Savings and Loan Association
Micro
Specialty: Commercial
VT
FDIC cert 28837
Designations: ✓ Community bank
Brattleboro, VT
2498
banks in Micro tier nationally
5 in VT
View Micro leaderboard (VT) →
The Brattleboro Savings and Loan Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.2M
-0.9% YoY
-0.3% QoQ
|
+$67.7M |
$217.5M
+2.3% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$213.1M
+4.7% YoY
+2.6% QoQ
|
+$73.9M |
$139.2M
+2.8% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$252.1M
-1.5% YoY
-0.3% QoQ
|
+$68.5M |
$183.7M
+1.8% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
0.12%
-86.1% YoY
|
-0.96% |
1.08%
+14.7% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
4.12%
+7.7% YoY
+1.2% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
82.53%
+5.6% YoY
+0.6% QoQ
|
+14.80% |
67.73%
-4.8% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.16%
+155.7% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
84.50%
+6.3% YoY
+2.9% QoQ
|
+9.97% |
74.53%
+0.5% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
22.31%
-2.3% YoY
-1.2% QoQ
|
-0.08% |
22.39%
-1.3% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.12%
+163.0% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
16.35%
-1.5% YoY
-1.6% QoQ
|
+7.49% |
8.85%
-3.4% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.64%
-32.6% YoY
+23.1% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
77
77th pctile
Total Loans
Current: $213.1M · Tier avg: $139.2M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 8.85%
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $285.2M · Tier avg: $217.5M
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.31% · Tier avg: 22.39%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 74.53%
17
17th pctile
Efficiency Ratio
Current: 82.53% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
Top Weaknesses
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.53% · Tier avg: 67.73%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 74.53%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 22.31% · Tier avg: 22.39%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
69
69th pctile
Total Assets
Current: $285.2M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 8.85%
77
77th pctile
Total Loans
Current: $213.1M · Tier avg: $139.2M
80
80th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%