FDIC Cert #59298 · S Burlington, Vermont · Est. 2022

Business Bank, The - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$288M
Total assets
C
Health grade · Fair
-0.32%
Return on assets
18.7%
Tier 1 capital

Data updated July 2026

The verdict

Business Bank, The earns a PlainBankData health grade of C (60/100), with well-capitalized at 18.73% Tier 1, -0.32% ROA, 111% efficiency ratio.

#2,549
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
18.73%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 59298 · VT C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3797/4307
  • PHOTO-FINISH Adelphi Bank · OH
  • TIER1-WELL 18.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-LOSS -0.32% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: Adelphi Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Business Bank, The

Lowest and highest poles plus nearest scored peers outside Vermont, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adelphi Bank · OH · near60/100Business Bank, The · VT · th…60/100Community Unity Bank · MI · …60/100Thrivent Bank · UT · near60/100Zenith Bank & Trust · AZ · n…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Business Bank, The · July 2026

Plate reading for Business Bank, The where failures stay rare

Business Bank, The (FDIC Cert #59298) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,797 of 4,307. Tier 1 capital prints at 18.73%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.32%. Balance-sheet scale is $288M, 2,549th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Adelphi Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Business Bank, The

Zero FAILURE resolutions in Vermont since 2000

Business Bank, The is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST NATIONAL BANK OF VERMONT BRADFORD, VT 1993 → NEW FIRST NB OF VERMONT
  • VALLEY BANK WHITE RIVER JUNCTION, VT 1991 → VERMONT NATIONAL BANK
  • THE POULTNEY NATIONAL BANK POULTNEY, VT 1943

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Vermont banks.

How Business Bank, The's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
Business Bank, The's composite health score
Tier 1 Capital Ratio (18.73%) 40/40
Return on Assets (ROA) (-0.32%) 0/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (110.68%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$288M

Total balance-sheet footings

Total Deposits

$252M

Customer-funded liabilities

Net Loans

$185M

Outstanding loan book

Net Income

$-897K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.33% 18.73% 20.13%
Basel III capital ratios - Business Bank, The

Where Business Bank, The ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Business Bank, The's score of 60/100 falls in the highlighted band.

Business Bank, The: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 12th percentile higher than 12% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Business Bank, The 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Business Bank, The's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Business Bank, The's $288M falls in the highlighted band.

Safety metrics: Business Bank, The

Tier 1 capital ratio
Well-capitalized 10%

18.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.73%
Texas Ratio
0.00%
Equity Capital
$34M

What these ratios mean →

Profitability metrics: Business Bank, The

Return on Assets (ROA)
3rd percentile nationally
-0.32%
Return on Equity (ROE)
-3.31%
Efficiency Ratio
110.68%

What these mean →

Income & expense: loss period at Business Bank, The

$14M
Interest Income
$73K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Business Bank, The reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Business Bank, The

Business Bank, The's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-897K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Business Bank, The up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Business Bank, The on FDIC BankFind →

Top banks in Vermont by total assets

Largest banks headquartered in Vermont
  1. 1
    Union Bank $1.6B

    Morrisville, VT · Grade C

  2. 2
    Northfield Savings Bank $1.6B

    Northfield, VT · Grade C

  3. 3
    Community National Bank $1.3B

    Derby, VT · Grade A

  4. 4
    Ledyard National Bank $1.1B

    Norwich, VT · Grade B

  5. 5
    Passumpsic Savings Bank $942M

    Saint Johnsbury, VT · Grade B

Top 5 banks in Vermont ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($288M here), outside Vermont so the neighborhood is not state containment.

Sawyer Savings Bank $288M · NY Community Bank and Trust - West Georg… $288M · GA First American State Bank $288M · CO Bank of Crockett $288M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Business Bank, The (FDIC Cert #59298) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Business Bank, The Call Report profile · FDIC Failed Bank List · Vermont FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Vermont

All Vermont banks →
BankAssetsGradeROA
Union BankMorrisville $1.6B C 0.77%
Northfield Savings BankNorthfield $1.6B C 0.40%
Community National BankDerby $1.3B A 1.49%
Ledyard National BankNorwich $1.1B B 0.70%
Passumpsic Savings BankSaint Johnsbury $942M B 0.72%
The Bank of BenningtonBennington $637M A 0.89%
The National Bank of MiddleburyMiddlebury $557M B 0.94%
Peoples Trust Company of St. AlbansSaint Albans $384M A 1.09%