BlastPoint's Banking Scorecard
The Brattleboro Savings and Loan Association
Designations: ✓ Mutual
Brattleboro, VT
5 branches across VT
The Brattleboro Savings and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8.0% in tier
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.7% in tier
- - Efficiency Drag: Bottom 22.5% in tier
- - Credit Risk Growth: Bottom 23.8% in tier
- - ROA 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.4M
+2.4% YoY
+3.8% QoQ
|
-$89.7M |
$386.1M
+0.5% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$216.4M
+7.2% YoY
+1.6% QoQ
|
-$39.3M |
$255.7M
+1.1% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$262.9M
+2.2% YoY
+4.3% QoQ
|
-$65.1M |
$328.0M
+0.1% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
0.70%
-0.4% YoY
+580.3% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
4.14%
+4.7% YoY
+0.6% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
81.41%
+1.2% YoY
-2.8% QoQ
|
+16.12% |
65.29%
-4.5% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate ? |
0.04%
-76.6% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
82.32%
+4.8% YoY
-2.6% QoQ
|
+5.68% |
76.64%
+0.8% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
-5.2% YoY
-6.8% QoQ
|
-1.23% |
22.02%
-1.0% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.03%
-77.1% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
15.93%
-5.9% YoY
-2.1% QoQ
|
+0.10% |
15.83%
+1.5% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.10%
-54.8% YoY
-84.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
51% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.