BlastPoint's Banking Scorecard
The Bank of Bennington
Bennington, VT
5 branches across VT
The Bank of Bennington has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 14.8% in tier
- - ROA 0.43% below tier average
- - Net Interest Margin 0.87% below tier average
- - Efficiency Ratio 2.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$650.1M
+6.7% YoY
+2.1% QoQ
|
+$264.0M |
$386.1M
+0.5% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
84% |
| Total Loans ? |
$493.7M
+7.5% YoY
+1.0% QoQ
|
+$238.0M |
$255.7M
+1.1% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
Top 11.7% in tier |
| Total Deposits ? |
$490.7M
+3.3% YoY
-0.0% QoQ
|
+$162.7M |
$328.0M
+0.1% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.83%
+7.5% YoY
-6.3% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.06%
+12.6% YoY
+6.3% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio ? |
67.93%
-1.0% YoY
+2.1% QoQ
|
+2.64% |
65.29%
-4.5% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.27%
-20.9% YoY
-18.1% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
100.62%
+4.0% YoY
+1.0% QoQ
|
+23.98% |
76.64%
+0.8% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.81%
-1.5% YoY
-0.5% QoQ
|
-3.21% |
22.02%
-1.0% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.21%
-20.4% YoY
-19.0% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
19.61%
+3.6% YoY
+1.0% QoQ
|
+3.78% |
15.83%
+1.5% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
Top 14.3% in tier |
| Non-Interest Income / Assets ? |
0.08%
-43.2% YoY
-84.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.