BlastPoint's Banking Scorecard
The Bank of Bennington
Community
Specialty: Mortgage
VT
FDIC cert 30350
Bennington, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
The Bank of Bennington has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 9.17% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$637.0M
+7.3% YoY
+0.4% QoQ
|
-$754.4M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$488.8M
+8.4% YoY
+0.7% QoQ
|
-$486.7M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$490.8M
+5.3% YoY
+0.3% QoQ
|
-$673.8M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
0.89%
+34.9% YoY
+16.0% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.88%
+8.6% YoY
+2.3% QoQ
|
-0.79% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
66.52%
-9.6% YoY
-3.4% QoQ
|
+3.89% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.33%
-5.0% YoY
-17.6% QoQ
|
-0.29% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
99.59%
+2.9% YoY
+0.4% QoQ
|
+16.53% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.90%
-2.3% YoY
-2.0% QoQ
|
-2.15% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.26%
-4.1% YoY
-17.4% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
19.41%
+2.4% YoY
+3.8% QoQ
|
+9.17% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.54%
+0.3% YoY
+55.8% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.41%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#39 of 268 · Bottom 14% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.41%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
99.59%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
92
92th pctile
Tier 1 Capital Ratio
Current: 19.41% · Tier avg: 10.24%
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.59% · Tier avg: 83.06%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 21.05%
36
36th pctile
Efficiency Ratio
Current: 66.52% · Tier avg: 62.63%
30
30th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
29
29th pctile
Total Loans
Current: $488.8M · Tier avg: $975.5M
19
19th pctile
Total Assets
Current: $637.0M · Tier avg: $1.4B
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
12
12th pctile
Total Deposits
Current: $490.8M · Tier avg: $1.2B
Top Weaknesses
12
12th pctile
Total Deposits
Current: $490.8M · Tier avg: $1.2B
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
19
19th pctile
Total Assets
Current: $637.0M · Tier avg: $1.4B
29
29th pctile
Total Loans
Current: $488.8M · Tier avg: $975.5M
30
30th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
36
36th pctile
Efficiency Ratio
Current: 66.52% · Tier avg: 62.63%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 18.90% · Tier avg: 21.05%
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
58
58th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
87
87th pctile
Loan-to-Deposit Ratio
Current: 99.59% · Tier avg: 83.06%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.41% · Tier avg: 10.24%