The Bank of Bennington
Total assets
$661.9M
▲ +6.5% YoY
Deposits
$494.3M
▲ +3.5% YoY
Loans
$507.5M
▲ +7.1% YoY
Offices
5
COMMUNITY FINANCIAL MHC
ROA (annualized)
0.86%
peers 1.28%
ROE (annualized)
7.97%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | The Bank of Bennington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +3.5% | +4.3% | -0.8 pts |
| Loan growth (YoY) | +7.1% | +5.3% | +1.8 pts |
| ROA | 0.86% | 1.28% | -0.4 pts |
| ROE | 8.0% | 12.4% | -4.5 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- COMMUNITY FINANCIAL MHC
- Specialization
- Mortgage Lending Specialization
- Address
- 155 North St, Bennington, VT, 05201
- County
- Bennington
- Metro area
- Bennington, VT
- Offices
- 5
- FDIC cert #
- 30350
- RSSD ID
- 133579
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $661.9M | $494.3M | $507.5M | $71.2M | $2.8M | 0.86% | 3.10% | 0.31% |
| Q1 2026 | $650.1M | $490.7M | $493.7M | $69.8M | $1.3M | 0.83% | 3.06% | 0.21% |
| Q4 2025 | $637.0M | $490.8M | $488.8M | $68.5M | $5.5M | 0.89% | 2.88% | 0.26% |
| Q3 2025 | $634.4M | $489.4M | $485.5M | $66.0M | $3.5M | 0.77% | 2.81% | 0.31% |
| Q2 2025 | $621.4M | $477.5M | $473.7M | $64.4M | $2.3M | 0.75% | 2.76% | 0.29% |
| Q1 2025 | $609.0M | $474.8M | $459.4M | $62.9M | $1.2M | 0.78% | 2.71% | 0.26% |
| Q4 2024 | $593.8M | $466.2M | $451.1M | $60.8M | $3.8M | 0.66% | 2.65% | 0.27% |
| Q3 2024 | $583.7M | $462.1M | $429.4M | $60.6M | $2.6M | 0.62% | 2.61% | 0.30% |
Loan mix (Q2 2026): real estate $491.3M · commercial $18.8M · consumer $1.9M · securities $106.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | The Bank of Bennington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 1.28% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.89% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 61.2% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | The Bank of Bennington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | The Bank of Bennington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | The Bank of Bennington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | The Bank of Bennington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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