| Metric | Vermont State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.6% | +3.0% | +12.6 pts |
| Deposit growth (YoY) | +9.5% | +2.5% | +7.0 pts |
| Loan growth (YoY) | -0.2% | +2.6% | -2.8 pts |
| ROA | 6.34% | 0.99% | +5.3 pts |
| ROE | 24.4% | 8.1% | +16.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $31.0M | $21.0M | $13.5M | $8.6M | $985K | 6.34% | 3.32% | 2.60% |
| Q1 2026 | $31.1M | $21.7M | $13.1M | $8.1M | $534K | 6.86% | 3.23% | 2.70% |
| Q4 2025 | $31.2M | $22.4M | $13.1M | $7.6M | $1.1M | 3.91% | 3.31% | 2.69% |
| Q3 2025 | $26.3M | $18.9M | $13.5M | $7.3M | $798K | 3.94% | 3.41% | 3.94% |
| Q2 2025 | $26.8M | $19.2M | $13.5M | $7.0M | $494K | 3.63% | 3.36% | 3.13% |
| Q1 2025 | $28.3M | $21.0M | $14.2M | $6.6M | $193K | 2.82% | 3.18% | 3.44% |
| Q4 2024 | $26.5M | $19.5M | $14.3M | $6.4M | $655K | 2.54% | 3.37% | 4.20% |
| Q3 2024 | $27.3M | $20.5M | $14.2M | $6.2M | $357K | 1.86% | 3.36% | 5.46% |
Loan mix (Q2 2026): real estate $10.9M · commercial $526K · consumer $2.4M · securities $7.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Vermont State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 6.34% | 0.99% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 24.4% | 8.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 70.8% | 61th |
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% |
| Ratio | Vermont State Bank | 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% |
| Ratio | Vermont State Bank | 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% |
| Ratio | Vermont State Bank | 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% |
| Ratio | Vermont State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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