BlastPoint's Banking Scorecard
Business Bank, The
Micro
Specialty: Commercial
VT
FDIC cert 59298
Designations: ✓ Community bank
S Burlington, VT
2498
banks in Micro tier nationally
5 in VT
View Micro leaderboard (VT) →
Business Bank, The has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.40% below tier
- - Net Interest Margin 1.34% below tier
- - Efficiency Ratio 42.95% above tier
- - Non-Interest-Bearing Deposit Share 20.08% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.1M
+10.3% YoY
-6.7% QoQ
|
+$70.6M |
$217.5M
+2.3% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$185.0M
+35.5% YoY
+16.8% QoQ
|
+$45.8M |
$139.2M
+2.8% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$252.1M
+6.6% YoY
-9.7% QoQ
|
+$68.4M |
$183.7M
+1.8% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
-0.32%
+66.0% YoY
-142.0% QoQ
|
-1.40% |
1.08%
+14.7% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.51%
+22.0% YoY
+6.6% QoQ
|
-1.34% |
3.85%
+6.6% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
110.68%
-16.4% YoY
+13.3% QoQ
|
+42.95% |
67.73%
-4.8% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
73.38%
+27.1% YoY
+29.3% QoQ
|
-1.15% |
74.53%
+0.5% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
2.31%
+97.0% YoY
-43.5% QoQ
|
-20.08% |
22.39%
-1.3% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.73%
+11.6% YoY
+25.3% QoQ
|
+9.88% |
8.85%
-3.4% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.03%
+0.3% YoY
+42.2% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (5)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.32%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.51%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
110.68%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.31%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.73% · Tier avg: 8.85%
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
70
70th pctile
Total Loans
Current: $185.0M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $288.1M · Tier avg: $217.5M
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.38% · Tier avg: 74.53%
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.32% · Tier avg: 1.08%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.31% · Tier avg: 22.39%
3
3th pctile
Efficiency Ratio
Current: 110.68% · Tier avg: 67.73%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
3
3th pctile
Efficiency Ratio
Current: 110.68% · Tier avg: 67.73%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.31% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.32% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.38% · Tier avg: 74.53%
70
70th pctile
Total Assets
Current: $288.1M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $185.0M · Tier avg: $139.2M
72
72th pctile
Total Deposits
Current: $252.1M · Tier avg: $183.7M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.73% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%