FDIC Cert #30350 · Bennington, Vermont · Est. 1917

The Bank of Bennington - FDIC Bank Health Profile

A community-scale look at The Bank of Bennington's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$637M
Total assets
A
Health grade · Excellent
0.89%
Return on assets
19.4%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of Bennington earns a PlainBankData health grade of A (82/100), with well-capitalized at 19.41% Tier 1, 0.89% ROA, 67% efficiency ratio.

#1,499
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
19.41%
Tier 1 ratio - above the 10% well-capitalized line
35th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30350 · VT A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1757/4307
  • PHOTO-FINISH Maspeth Federal Savi… · NY
  • TIER1-WELL 19.4% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-PAR 0.89% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: Maspeth Federal Savings and Loan Association, NY (±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 The Bank of Bennington

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

Morgan Stanley Bank,… · UT ·…100/100Cullman Savings Bank · AL · …82/100Hatboro Federal Savi… · PA ·…82/100Maspeth Federal Savi… · NY ·…82/100Mayville Savings Bank · WI ·…82/100The Bank of Bennington · VT …82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of Bennington · July 2026

Plate reading for The Bank of Bennington where failures stay rare

The Bank of Bennington (FDIC Cert #30350) carries a PlainBankData health grade of A at 82/100, 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 #1,757 of 4,307. Tier 1 capital prints at 19.41%, clearing the 10% well-capitalized line. The Texas Ratio is 2.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.89%. Balance-sheet scale is $637M, 1,499th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Maspeth Federal Savings and Loan Association (NY), 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 The Bank of Bennington

Zero FAILURE resolutions in Vermont since 2000

The Bank of Bennington 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 The Bank of Bennington's 82/100 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 avg77/10082/100
The Bank of Bennington's composite health score
Tier 1 Capital Ratio (19.41%) 40/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (2.20%) 20/20
Efficiency Ratio (66.52%) 8/15

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

Balance sheet at a glance

Total Assets

$637M

Total balance-sheet footings

Total Deposits

$491M

Customer-funded liabilities

Net Loans

$489M

Outstanding loan book

Net Income

$6M

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.) 18.01% 19.41% 20.81%
Basel III capital ratios - The Bank of Bennington

Where The Bank of Bennington ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Bennington's score of 82/100 falls in the highlighted band.

The Bank of Bennington: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Bank of Bennington 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

The Bank of Bennington'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). The Bank of Bennington's $637M falls in the highlighted band.

Safety metrics: The Bank of Bennington

Tier 1 capital ratio
Well-capitalized 10%

19.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.41%
Texas Ratio
2.20%
Equity Capital
$68M

What these ratios mean →

Profitability metrics: The Bank of Bennington

Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
8.55%
Efficiency Ratio
66.52%

What these mean →

Income & expense at The Bank of Bennington

$28M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Bennington reports a Texas Ratio of 2.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bank of Bennington 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 ($637M here), outside Vermont so the neighborhood is not state containment.

NewBank $637M · NY First National Bank Colorado $637M · CO Walpole Co-operative Bank $637M · MA Community Bank & Trust, Waco, Texas $638M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Bennington (FDIC Cert #30350) - 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.

The Bank of Bennington 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 National Bank of MiddleburyMiddlebury $557M B 0.94%
Peoples Trust Company of St. AlbansSaint Albans $384M A 1.09%
Business Bank, TheS Burlington $288M C -0.32%