BlastPoint's Banking Scorecard
The Brattleboro Savings and Loan Association
Designations: ✓ Mutual
Brattleboro, VT
5 branches across VT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 7 in VT.
- Deposits +5.7% year over year ($262.3M on the books).
- Delinquency rate 0.73%.
- Return on assets 0.76%.
- Efficiency ratio 79.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.05% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Brattleboro Savings and Loan Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency Ratio 14.91% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.4M
+6.2% YoY
-0.0% QoQ
|
-$90.2M |
$386.6M
+1.2% YoY
|
$744.2M
+4.9% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$223.1M
+7.9% YoY
+3.1% QoQ
|
-$35.2M |
$258.3M
+1.7% YoY
|
$538.3M
+6.1% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$262.3M
+5.7% YoY
-0.2% QoQ
|
-$64.4M |
$326.7M
+0.7% YoY
|
$606.0M
+4.8% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
0.76%
+333.7% YoY
+9.7% QoQ
|
-0.56% |
1.32%
+10.8% YoY
|
0.88%
+34.8% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.16%
+3.9% YoY
+0.5% QoQ
|
+0.18% |
3.99%
+5.0% YoY
|
3.60%
+8.7% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
79.39%
-2.8% YoY
-2.5% QoQ
|
+14.91% |
64.48%
-3.2% YoY
|
75.18%
-3.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate ? |
0.73%
+365.0% YoY
|
-0.19% |
0.92%
+15.7% YoY
|
0.71%
+15.5% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
85.05%
+2.1% YoY
+3.3% QoQ
|
+7.10% |
77.95%
+1.0% YoY
|
86.19%
+1.4% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
20.11%
-8.0% YoY
-3.3% QoQ
|
-1.92% |
22.03%
-0.6% YoY
|
20.51%
+3.2% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.55%
+372.6% YoY
|
-0.12% |
0.67%
+16.4% YoY
|
0.60%
+14.2% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
15.93%
-4.8% YoY
+0.0% QoQ
|
+0.03% |
15.91%
+1.4% YoY
|
14.99%
+1.6% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.20%
-50.5% YoY
+107.9% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.33%
-3.2% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.1%
-1.7pp YoY -0.7pp QoQ |
-2.0pp | 22.1% | 20.5% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.9%
+0.2pp YoY +0.4pp QoQ |
-7.7pp | 11.6% | 7.7% | 12.5% | 14% |
| CRE |
41.9%
+2.9pp YoY -0.8pp QoQ |
+2.3pp | 39.5% | 36.8% | 41.4% | 57% |
| 1-4 Family |
54.4%
-3.3pp YoY +0.6pp QoQ |
+21.8pp | 32.6% | 53.7% | 31.3% | 86% |
| Consumer |
0.6%
+0.1pp YoY -0.2pp QoQ |
-3.5pp | 4.1% | 2.2% | 5.0% | 19% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
-0.8pp YoY 0.0pp QoQ |
-2.9pp | 18.8% | 15.8% | 19.7% | 57% |
| Leverage Ratio |
10.3%
+0.2pp YoY -0.1pp QoQ |
-1.9pp | 12.2% | 10.7% | 12.6% | 37% |
| Total Capital Ratio |
17.1%
-0.9pp YoY 0.0pp QoQ |
-2.8pp | 19.9% | 16.8% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
49
-2 (-3.9%) YoY +2 (+4.3%) QoQ |
-10 | 58 | 99 | 482 | 52% |
| Assets per Employee ($) |
$6.0M
+10.5% YoY -4.1% QoQ |
-$1.5M | $7.5M | $7.4M | $8.8M | 35% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 8 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
+0.1pp YoY |
-0.2pp | 0.3% | 0.1% | 0.4% | 50% |
| Nonaccrual |
0.6%
+0.5pp YoY +0.6pp QoQ |
-0.3pp | 0.9% | 0.7% | 1.0% | 59% |
| Allowance Coverage |
1.30x
-80.7% YoY -95.0% QoQ |
-22.86x | 24.15x | 2.58x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.0% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
+10.8pp YoY +0.7pp QoQ |
-4.6pp | 12.2% | 9.1% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 15% |
| Net Income ($, YTD) |
$1.1M
+339.7% YoY — QoQ |
-$1.4M | $2.6M | $3.5M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.