BlastPoint's Banking Scorecard

The Bank of Bennington

$100M-$1B Specialty: Mortgage VT FDIC cert 30350

Bennington, 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 +3.5% year over year ($494.3M on the books).
Delinquency rate 0.40%.
Return on assets 0.86%.
Efficiency ratio 66.64% vs a 64.48% peer average.
Loan-to-deposit ratio 102.68% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 7 in VT

View $100M-$1B leaderboard (VT) →

The Bank of Bennington has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 17.8% in tier
- Credit Quality Pressure: Bottom 18.8% in tier
- Credit Risk Growth: Bottom 24.2% in tier
- ROA 0.47% below tier average
- Net Interest Margin 0.88% below tier average
- Efficiency Ratio 2.16% above tier average

Get updates when The Bank of Bennington releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Total Assets ?	$661.9M +6.5% YoY +1.8% QoQ	+$275.3M	$386.6M +1.2% YoY	$744.2M +4.9% YoY	$6.3B +7.7% YoY	Top 14.7% in tier
Total Loans ?	$507.5M +7.1% YoY +2.8% QoQ	+$249.2M	$258.3M +1.7% YoY	$538.3M +6.1% YoY	$3.2B +9.4% YoY	Top 10.9% in tier
Total Deposits ?	$494.3M +3.5% YoY +0.7% QoQ	+$167.6M	$326.7M +0.7% YoY	$606.0M +4.8% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.86% +13.8% YoY +2.6% QoQ	-0.47%	1.32% +10.8% YoY	0.88% +34.8% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.10% +12.6% YoY +1.5% QoQ	-0.88%	3.99% +5.0% YoY	3.60% +8.7% YoY	3.95% +4.9% YoY	Bottom 12.6% in tier
Efficiency Ratio ?	66.64% -3.5% YoY -1.9% QoQ	+2.16%	64.48% -3.2% YoY	75.18% -3.3% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.40% +6.2% YoY +46.7% QoQ	-0.52%	0.92% +15.7% YoY	0.71% +15.5% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	102.68% +3.5% YoY +2.0% QoQ	+24.72%	77.95% +1.0% YoY	86.19% +1.4% YoY	79.03% +2.3% YoY	Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ?	18.67% -3.8% YoY -0.7% QoQ	-3.36%	22.03% -0.6% YoY	20.51% +3.2% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.31% +6.9% YoY +48.1% QoQ	-0.36%	0.67% +16.4% YoY	0.60% +14.2% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	18.77% +0.0% YoY -4.3% QoQ	+2.86%	15.91% +1.4% YoY	14.99% +1.6% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.18% -26.6% YoY +114.5% QoQ	-0.38%	0.57% +7.6% YoY	0.33% -3.2% YoY	0.66% +5.2% YoY	44%

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	18.7% -0.7pp YoY -0.1pp QoQ	-3.5pp	22.1%	20.5%	22.2%	39%
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	3.7% +0.5pp YoY +0.2pp QoQ	-7.9pp	11.6%	7.7%	12.5%	13%
CRE	19.3% -1.9pp YoY -0.2pp QoQ	-20.2pp	39.5%	36.8%	41.4%	17%
1-4 Family	77.5% +1.4pp YoY -0.1pp QoQ	+44.9pp	32.6%	53.7%	31.3%	96%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.1%	2.2%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
CET1 Ratio	18.8% 0.0pp YoY -0.8pp QoQ	-0.1pp	18.8%	15.8%	19.7%	73%
Leverage Ratio	11.4% +0.3pp YoY 0.0pp QoQ	-0.7pp	12.2%	10.7%	12.6%	57%
Total Capital Ratio	20.0% 0.0pp YoY -0.8pp QoQ	+0.1pp	19.9%	16.8%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Full-Time Employees	61 +2 (+3.4%) YoY +2 (+3.4%) QoQ	+2	58	99	482	64%
Assets per Employee ($)	$10.9M +3.0% YoY -1.5% QoQ	+$3.3M	$7.5M	$7.4M	$8.8M	90%
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	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.4% 0.0pp YoY +0.1pp QoQ	-0.5pp	0.9%	0.7%	1.0%	47%
Allowance Coverage	2.70x -9.3% YoY -34.6% QoQ	-21.46x	24.15x	2.58x	20.23x	56%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
ROE	8.0% +0.7pp YoY +0.2pp QoQ	-4.2pp	12.2%	9.1%	11.6%	25%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	55%
Net Income ($, YTD)	$2.8M +21.6% YoY — QoQ	+$227K	$2.6M	$3.5M	$40.4M	67%

Get Full Access to The Bank of Bennington

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk

#133 of 742 • Bottom 17.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.77%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 102.68%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#237 of 1256 • Bottom 18.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#227 of 936 • Bottom 24.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

288

Total Loans

size

Value: $507.53M

Peer Median: $258.35M

#288 of 2643 Top 10.9% in $100M-$1B

390

Total Assets

size

Value: $661.90M

Peer Median: $386.57M

#390 of 2643 Top 14.7% in $100M-$1B

438

Tier 1 Capital Ratio

capital

Value: 18.77%

Peer Median: 15.91%

#438 of 2643 Top 16.5% in $100M-$1B

553

Total Deposits

size

Value: $494.30M

Peer Median: $326.73M

#553 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2452

Loan-to-Deposit Ratio

liquidity

Value: 102.68%

Peer Median: 77.95%

#2452 of 2643 Bottom 7.3% in $100M-$1B

2310

Net Interest Margin

profitability

Value: 3.10%

Peer Median: 3.99%

#2310 of 2643 Bottom 12.6% in $100M-$1B