The Bank of Bennington: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 6.6% in Q2 2026 to $397.6M, the biggest move on this page. On CET1 ratio, The Bank of Bennington ranks 2nd highest among the 10 banks headquartered in Vermont, at 18.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. The Bank of Bennington sits 3.70 points higher, at 18.77% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.77% |
| Tier 1 risk-based capital ratio | 18.77% |
| Total risk-based capital ratio | 20.02% |
| Tier 1 leverage ratio | 11.43% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $74.6M |
| Tier 1 capital | $74.6M |
| Total risk-based capital | $79.6M |
| Total equity capital | $71.2M |
| Risk-weighted assets | $397.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.75% |
| Tangible equity to tangible assets | 10.75% |
| Equity capital to average assets | 10.90% |
| Internal capital growth rate | 8.24% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $74.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.81% | 18.81% | 20.06% | 11.25% | $328.2M |
| Q4 2023 | 19.46% | 19.46% | 20.72% | 11.46% | $322.2M |
| Q1 2024 | 19.69% | 19.69% | 20.94% | 11.46% | $321.7M |
| Q2 2024 | 19.54% | 19.54% | 20.79% | 11.61% | $328.7M |
| Q3 2024 | 19.43% | 19.43% | 20.68% | 11.79% | $336.3M |
| Q4 2024 | 18.96% | 18.96% | 20.21% | 11.28% | $350.7M |
| Q1 2025 | 18.93% | 18.93% | 20.19% | 11.36% | $357.3M |
| Q2 2025 | 18.76% | 18.76% | 20.01% | 11.13% | $366.3M |
| Q3 2025 | 18.70% | 18.70% | 19.95% | 11.09% | $373.9M |
| Q4 2025 | 19.41% | 19.41% | 20.67% | 11.19% | $370.3M |
| Q1 2026 | 19.61% | 19.61% | 20.87% | 11.40% | $373.2M |
| Q2 2026 | 18.77% | 18.77% | 20.02% | 11.43% | $397.6M |
The Bank of Bennington regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Bennington, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Bennington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30350) · FFIEC NIC profile (RSSD 133579)