Total Assets
$637M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$491M
Customer-funded liabilities
Net Loans
$489M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
8.55%
Efficiency Ratio
66.52%
What the numbers say about The Bank of Bennington
The Bank of Bennington is an FDIC-insured institution (Certificate #30350) headquartered in Bennington, Vermont, established in 1917. It holds $637M in total assets - 1,499th of 4,313 FDIC-insured banks, $491M in customer deposits, and $489M in net loans. Looking at capital strength, Tier 1 stands at 19.41%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.20%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Vermont, The Bank of Bennington ranks 6th of 12 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Vermont by total assets
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.
Other banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of Bennington's health grade?▼
The Bank of Bennington receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of Bennington?▼
The Bank of Bennington holds $637M in total assets and $491M in deposits, ranking 1,499th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bennington, Vermont.
Is my money safe at The Bank of Bennington?▼
Yes, deposits at The Bank of Bennington (Certificate #30350) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Bennington's Tier 1 Capital Ratio?▼
The Bank of Bennington has a Tier 1 Capital Ratio of 19.41%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of Bennington?▼
The Bank of Bennington has a Texas Ratio of 2.20%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Bennington?▼
The Bank of Bennington has an Efficiency Ratio of 66.52%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Bennington's profile as a depositor or analyst.
- The Bank of Bennington's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Bennington against other Vermont banks before moving funds. Vermont banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.