BUSINESS BANK, THE

SOUTH BURLINGTON, VT | Small | Est. Aug. 2, 2022, midnight | FDIC #59298 | RSSD #5760662 | FDIC
Latest Report: 2025-12-31

BUSINESS BANK, THE is asn small FDIC-insured commercial bank headquartered in SOUTH BURLINGTON, VT, established in Aug. 2, 2022, midnight. As of 2025-12-31, the bank reported total assets of $288M and total deposits of $252M. Profitability stands at -3.33% ROA and -31.80% ROE, with a net interest margin of 3.02%. The bank's CET1 capital ratio is 18.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #59298.

Assets

$288M

Deposits

$252M

Loans

$187M

Equity

$34M

Profitability

Return on Assets (ROA) -3.33%
Return on Equity (ROE) -31.80%
Net Interest Margin (NIM) 3.02%
Yield on Assets 5.66%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 18.73%
Tier 1 Capital 18.73%
Total Capital Ratio 19.88%
Leverage Ratio 11.36%
Loan-to-Deposit 74.12%

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