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Business Bank, The

$100M-$1B Specialty: Commercial VT FDIC cert 59298

S Burlington, VT

2 branches across NH · 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 +28.1% year over year ($310.8M on the books).
  • Delinquency rate 0.09%.
  • Return on assets -0.33%.
  • Efficiency ratio 99.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.56% 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) →

Business Bank, The 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

  • + Credit Quality Leader: Top 0.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.9% in tier
  • - Efficiency Drag: Bottom 20.8% in tier
  • - Return on Assets 1.65% below tier average
  • - Non-Interest-Bearing Deposit Share 19.47% below tier average
  • - Non-Interest Income / Assets 0.56% below tier average
  • - Net Interest Margin 0.95% below tier average
Get updates when Business Bank, The releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Total Assets ? $352.2M
+30.7% YoY +22.8% QoQ
-$34.4M $386.6M
+1.2% YoY
$744.2M
+4.9% YoY
$6.3B
+7.7% YoY
54%
Total Loans ? $234.8M
+57.6% YoY +14.4% QoQ
-$23.5M $258.3M
+1.7% YoY
$538.3M
+6.1% YoY
$3.2B
+9.4% YoY
56%
Total Deposits ? $310.8M
+28.1% YoY +23.9% QoQ
-$15.9M $326.7M
+0.7% YoY
$606.0M
+4.8% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? -0.33%
-633.2% YoY -113.1% QoQ
-1.65% 1.32%
+10.8% YoY
0.88%
+34.8% YoY
1.30%
+12.1% YoY
Bottom 2.2% in tier
Net Interest Margin ? 3.04%
+29.2% YoY -2.2% QoQ
-0.95% 3.99%
+5.0% YoY
3.60%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 11.0% in tier
Efficiency Ratio ? 99.39%
+2.2% YoY -0.5% QoQ
+34.91% 64.48%
-3.2% YoY
75.18%
-3.3% YoY
70.05%
+2.5% YoY
Bottom 2.3% in tier
Delinquency Rate ? 0.09% -0.83% 0.92%
+15.7% YoY
0.71%
+15.5% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 75.56%
+23.1% YoY -7.7% QoQ
-2.39% 77.95%
+1.0% YoY
86.19%
+1.4% YoY
79.03%
+2.3% YoY
59%
Non-Interest-Bearing Deposit Share ? 2.56%
-23.1% YoY +0.4% QoQ
-19.47% 22.03%
-0.6% YoY
20.51%
+3.2% YoY
21.98%
-0.6% YoY
Bottom 1.9% in tier
Nonperforming Asset Ratio ? 0.06% -0.61% 0.67%
+16.4% YoY
0.60%
+14.2% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 14.74%
-8.1% YoY -5.3% QoQ
-1.17% 15.91%
+1.4% YoY
14.99%
+1.6% YoY
17.09%
+0.8% YoY
64%
Non-Interest Income / Assets ? 0.01%
-45.6% YoY +266.3% QoQ
-0.56% 0.57%
+7.6% YoY
0.33%
-3.2% YoY
0.66%
+5.2% YoY
Bottom 0.7% in tier

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 2.6%
-0.8pp YoY
0.0pp QoQ
 -19.6pp 22.1% 20.5% 22.2% 1%
Brokered Deposits 11.9%
-3.1pp YoY
+1.6pp QoQ
 +4.0pp 7.9% 6.1% 8.5% 79%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
C&I 16.9%
-6.9pp YoY
+0.2pp QoQ
 +5.3pp 11.6% 7.7% 12.5% 82%
CRE 75.3%
+8.4pp YoY
+0.5pp QoQ
 +35.7pp 39.5% 36.8% 41.4% 95%
1-4 Family 8.9%
-0.5pp YoY
-0.6pp QoQ
 -23.7pp 32.6% 53.7% 31.3% 10%
Consumer n/a n/a 4.1% 2.2% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
CET1 Ratio 14.7%
-1.3pp YoY
-0.8pp QoQ
 -4.1pp 18.8% 15.8% 19.7% 47%
Leverage Ratio 12.4%
+2.4pp YoY
0.0pp QoQ
 +0.2pp 12.2% 10.7% 12.6% 69%
Total Capital Ratio 15.7%
-1.2pp YoY
-0.8pp QoQ
 -4.2pp 19.9% 16.8% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Full-Time Employees 34
+11 (+47.8%) YoY
+8 (+30.8%) QoQ
 -25 58 99 482 33%
Assets per Employee ($) $10.4M
-11.6% YoY
-6.1% QoQ
 +$2.8M $7.5M $7.4M $8.8M 87%
Branch Count 2
+1 (+100.0%) YoY
+1 (+100.0%) QoQ
 -3 4 8 18 11%

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 0.1% -0.8pp 0.9% 0.7% 1.0% 17%
Allowance Coverage 11.70x -12.46x 24.15x 2.58x 20.23x 83%
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
ROE -2.8%
-3.5pp YoY
-1.5pp QoQ
 -15.0pp 12.2% 9.1% 11.6% 2%
Cost of Funds (YTD) 2.3%
-0.6pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 85%
Net Income ($, YTD) $-504000.0
-714.6% YoY
— QoQ
 -$3.1M $2.6M $3.5M $40.4M 2%

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 (1)

Credit Quality Leader

growth
#2 of 659 • Top 0.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#188 of 1256 • Bottom 14.9% in tier

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

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Efficiency Drag

risk
#76 of 361 • Bottom 20.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 99.39%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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

Top Strengths (2 metrics)

601
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#601 of 2643 Top 22.7% in $100M-$1B
654
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.92%
#654 of 2633 Top 24.8% in $100M-$1B

Top Weaknesses (5 metrics)

2625
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2625 of 2643 Bottom 0.7% in $100M-$1B
2593
Non-Interest-Bearing Deposit Share
funding
Value: 2.56%
Peer Median: 22.03%
#2593 of 2643 Bottom 1.9% in $100M-$1B
2585
Return on Assets
profitability
Value: -0.33%
Peer Median: 1.32%
#2585 of 2643 Bottom 2.2% in $100M-$1B
2582
Efficiency Ratio
profitability
Value: 99.39%
Peer Median: 64.48%
#2582 of 2643 Bottom 2.3% in $100M-$1B
2352
Net Interest Margin
profitability
Value: 3.04%
Peer Median: 3.99%
#2352 of 2643 Bottom 11.0% in $100M-$1B
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