The Bank of Bennington
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Bennington is an FDIC-insured savings institution headquartered in Bennington, VT, supervised by the OCC, with $661.9M in total assets at Q2 2026, up 6.5% from Q2 2025, the 6th largest of 12 banks headquartered in Vermont. It was established in 1917 and holds FDIC certificate 30350. Its CET1 capital ratio was 18.77% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30350
- Headquarters
- Bennington, VT
- Established
- 1917
- Total assets, Q2 2026
- $661.9M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 18.77%
- Domestic offices
- 5 · The Bank of Bennington branches FDIC institution directory, current count
- Routing number
- 211672609
- Safety and soundness
- Is The Bank of Bennington safe?
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Bennington call report
- Holding company
- COMMUNITY FINANCIAL, MHC
- Asset rank in state
- 6th of 12 in Vermont
The Bank of Bennington, based in Bennington, Vermont, reported $662 million in assets at June 30, 2026, up 6.5% from a year earlier. It keeps 3.09 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also returns 8.2% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
Net income for the quarter rose 28% from a year earlier, to $1.4 million. Over the same year, loans grew 7.1% and deposits grew 3.5%.
As of June 30, 2026, The Bank of Bennington reported a CET1 capital ratio of 18.77%, a return on assets of 0.88%, a nonperforming-loan ratio of 0.40% and a Texas ratio of 2.65%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Vermont, The Bank of Bennington is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $661.9M, loans rose 2.7% and deposits rose 0.7%. 1-4 family residential loans made up 76.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 8.2%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in VT; its Bennington 2 offices book 52% of its branch deposits. On its Q2 2026 call report, The Bank of Bennington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 155 North St, Bennington, VT 05201
- County
- Bennington
- Metro Area
- Bennington, VT
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1917
- Former names
- The Bank of Bennington (1999)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $494.3M
- Allowance for credit losses
- $5.5M
- Net charge-offs (YTD)
- $80K
- Average total assets
- $652.9M
- Average total loans
- $510.5M
- Average interest-bearing deposits
- $397.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30350
- Fed RSSD
- 133579
- Website
- www.thebankofbennington.com →
- Parent Holding Company
- COMMUNITY FINANCIAL, MHC (RSSD 3846003)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Bank of Bennington's total assets ran between $552.0M (Q4 2023) and $661.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$661.9M total assets against $621.4M; $590.7M total liabilities against $557.0M.
$507.5M net loans and leases against $473.7M; $494.3M total deposits against $477.5M.
$106.4M securities against $101.1M; $21.6M cash and balances due against $18.2M.
$7.7M total interest income against $6.9M; $2.8M total interest expense against $2.8M.
$4.9M net interest income against $4.1M.
$650K total noninterest income against $628K; $3.6M total noninterest expense against $3.3M.
$148K provision for credit losses against $35K.
$1.4M net income against $1.1M.
0.88% return on assets against 0.73%; 3.09% net interest margin against 2.73%.
18.77% CET1 capital ratio against 18.76%; 11.43% tier 1 leverage ratio against 11.13%.
Inside the full The Bank of Bennington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Bank of Bennington rankings
Its closest position to the top of a national ranking is 410 of 2,134, for CET1 ratio; its furthest is 2,747 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.73% (Q2 2025) to 1.23% (Q4 2025) and its net interest margin ran from 2.61% (Q3 2024) to 3.09% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.77% | 0.88% | 0.40% | 2.65% | 3.09% |
| Q1 2026 | 19.61% | 0.84% | 0.27% | 1.78% | 3.01% |
| Q4 2025 | 19.41% | 1.23% | 0.33% | 2.20% | 2.98% |
| Q3 2025 | 18.70% | 0.79% | 0.40% | 2.46% | 2.84% |
| Q2 2025 | 18.76% | 0.73% | 0.37% | 2.25% | 2.73% |
| Q1 2025 | 18.93% | 0.78% | 0.34% | 1.96% | 2.66% |
| Q4 2024 | 18.96% | 0.77% | 0.35% | 1.99% | 2.64% |
| Q3 2024 | 19.43% | 0.82% | 0.41% | 2.26% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Bennington | Bennington , VT | 05201 | $229.2M |
| Manchester Center Branch | Manchester Center , VT | 05255 | $149.6M |
| Arlington Branch | Arlington , VT | 05250 | $44.5M |
| Rutland Branch | Rutland , VT | 05701 | $42.5M |
| Phyllis Lane Branch | Bennington , VT | 05201 | $28.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.6% of deposits in VT, rank 11 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $237K approved, $47K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Bennington
What are The Bank of Bennington's total assets?
As of the Q2 2026 filing, The Bank of Bennington reported total assets of $661.9 million in its FFIEC call report.
Where is The Bank of Bennington headquartered?
It is headquartered in Bennington, VT, United States.
When was The Bank of Bennington founded?
It was established in 1917, per the FDIC institution directory.
Is The Bank of Bennington FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #30350). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Bennington?
The Bank of Bennington's primary federal regulator is the OCC.
What is The Bank of Bennington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.77% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Bennington operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Bennington's Texas Ratio?
Its Texas Ratio is 2.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Bennington previously called?
The charter now named The Bank of Bennington has also operated as The Bank of Bennington (1999), per FDIC structure-change records.
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