The Bank of Bennington: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.57 percentage points higher than in Q1 2026, at 110.08%. The Bank of Bennington has the highest loan-to-deposit ratio of the 12 banks headquartered in Vermont, 103.79% as of Q2 2026. The Bank of Bennington reported 103.79% on loan-to-deposit ratio for Q2 2026, 22.95 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.6M |
| Cash and noninterest-bearing balances to assets | 3.26% |
| Cash and securities | $127.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $83.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.54% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.79% |
| Net loans and leases to deposits | 102.68% |
| Loans and leases to core deposits | 110.08% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 90.61% | 95.16% | $0 | $49.0M |
| Q4 2023 | 91.41% | 94.50% | $0 | $47.0M |
| Q1 2024 | 90.78% | 94.99% | $0 | $49.0M |
| Q2 2024 | 93.71% | 94.29% | $0 | $54.0M |
| Q3 2024 | 94.07% | 94.48% | $0 | $52.0M |
| Q4 2024 | 97.90% | 94.26% | $0 | $59.0M |
| Q1 2025 | 97.87% | 94.42% | $0 | $63.0M |
| Q2 2025 | 100.33% | 94.55% | $0 | $70.0M |
| Q3 2025 | 100.31% | 94.36% | $0 | $70.0M |
| Q4 2025 | 100.72% | 94.59% | $0 | $70.0M |
| Q1 2026 | 101.75% | 94.64% | $0 | $81.0M |
| Q2 2026 | 103.79% | 94.28% | $0 | $83.0M |
The Bank of Bennington liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Bennington, freeSource: Call Report Schedules RC and RC-M, 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)