BlastPoint's Banking Scorecard
Business Bank, The
S Burlington, VT
2 branches across NH · VT
Business Bank, The has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 49.3% in tier
- - Return on Assets 1.42% below tier average
- - Non-Interest-Bearing Deposit Share 19.47% below tier average
- - Non-Interest Income / Assets 0.28% below tier average
- - Net Interest Margin 0.82% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.7M
+4.8% YoY
-0.5% QoQ
|
-$99.3M |
$386.1M
+0.5% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$205.3M
+44.4% YoY
+11.0% QoQ
|
-$50.4M |
$255.7M
+1.1% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$250.7M
+1.2% YoY
-0.5% QoQ
|
-$77.2M |
$328.0M
+0.1% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
-0.15%
-830.9% YoY
+52.2% QoQ
|
-1.42% |
1.27%
+12.9% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.8% in tier |
| Net Interest Margin ? |
3.11%
+34.3% YoY
+24.0% QoQ
|
-0.82% |
3.93%
+6.0% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio ? |
99.86%
+4.3% YoY
-9.8% QoQ
|
+34.58% |
65.29%
-4.5% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
81.88%
+42.7% YoY
+11.6% QoQ
|
+5.24% |
76.64%
+0.8% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
2.55%
+9.6% YoY
+10.0% QoQ
|
-19.47% |
22.02%
-1.0% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 1.8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.57%
-8.3% YoY
-16.9% QoQ
|
-0.26% |
15.83%
+1.5% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.00%
-71.4% YoY
-91.7% QoQ
|
-0.28% |
0.28%
+9.3% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.6% in tier |
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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)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.