The Bank of Bennington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.04 percentage points higher than in Q1 2026, at 103.79%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $513.0M |
| Net loans and leases | $507.5M |
| Loans held for sale | $0 |
| Loans to total assets | 77.51% |
| Loan-to-deposit ratio | 103.79% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.80% |
| Multifamily (5+ residential) | 2.40% |
| Commercial and industrial | 3.67% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.06% |
| Construction concentration (Tier 1 capital + allowance) | 5.90% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.34% |
| Interest income on loans | $6.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $405.4M | $447.4M | 17.59% | 4.18% | 0.34% |
| Q4 2023 | $403.4M | $441.3M | 17.05% | 4.20% | 0.34% |
| Q1 2024 | $404.1M | $445.1M | 17.42% | 3.96% | 0.38% |
| Q2 2024 | $416.0M | $444.0M | 17.35% | 3.89% | 0.42% |
| Q3 2024 | $434.7M | $462.1M | 16.60% | 3.45% | 0.42% |
| Q4 2024 | $456.4M | $466.2M | 16.14% | 3.33% | 0.37% |
| Q1 2025 | $464.7M | $474.8M | 16.73% | 3.34% | 0.33% |
| Q2 2025 | $479.1M | $477.5M | 16.92% | 3.19% | 0.33% |
| Q3 2025 | $490.9M | $489.4M | 16.72% | 3.00% | 0.32% |
| Q4 2025 | $494.3M | $490.8M | 16.46% | 3.23% | 0.32% |
| Q1 2026 | $499.3M | $490.7M | 15.94% | 3.46% | 0.33% |
| Q2 2026 | $513.0M | $494.3M | 15.80% | 3.67% | 0.36% |
The Bank of Bennington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Bennington, freeSource: Call Report Schedule RC-C, 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)