Brattleboro Savings & Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Brattleboro Savings & Loan Association is an FDIC-insured commercial bank headquartered in Brattleboro, VT, established in 1912 (FDIC certificate 28837), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $296.4M, up 6.2% from Q2 2025, the 10th largest of 12 banks headquartered in Vermont. Its CET1 capital ratio was 15.93% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 28837
- Headquarters
- Brattleboro, VT
- Established
- 1912
- Total assets, Q2 2026
- $296.4M
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 15.93%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 211672476
- Latest call report
- Q2 2026, FFIEC 051 · Brattleboro Savings & Loan Association call report
- Asset rank in state
- 10th of 12 in Vermont
Problem loans are rising at Brattleboro Savings & Loan Association. It reported $296 million in assets at June 30, 2026, up 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.72% of loans from 0.16% a year earlier. It spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 1.24% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Profitability lags: it earns about $0.83 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Brattleboro Savings & Loan Association reported a CET1 capital ratio of 15.93%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 5.08%. The figures come from its call report filed with the FFIEC.
Brattleboro Savings & Loan Association ranks as the 10th largest of the 12 banks based in Vermont, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets were flat, loans rose 3.1% and deposits fell 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 53.9% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.8%. Its 4 offices in the FDIC Summary of Deposits are in Brattleboro, VT, Wilmington, VT and Bondville, VT; its Brattleboro 2 offices book 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Brattleboro Savings & Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 221 Main St, Brattleboro, VT 05301
- County
- Windham
- Metro Area
- Brattleboro, VT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Former names
- The Brattleboro Savings and Loan Association (2009); The Brattleboro Savings and Loan Association, F.A. (1994-2009); Brattleboro Savings and Loan Association (1985-1994)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $262.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $293.5M
- Average total loans
- $222.3M
- Average interest-bearing deposits
- $207.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28837
- Fed RSSD
- 580874
- Website
- www.brattbank.com →
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
Brattleboro Savings & Loan Association's total assets moved between a low of $279.1M (Q2 2025) and a high of $296.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$296.4M total assets against $279.1M; $266.5M total liabilities against $250.8M.
$223.1M net loans and leases against $206.7M; $262.3M total deposits against $248.2M.
$35.4M securities against $28.8M; $25.6M cash and balances due against $32.0M.
$3.7M total interest income against $3.5M; $811K total interest expense against $790K.
$2.9M net interest income against $2.7M.
$313K total noninterest income against $520K; $2.5M total noninterest expense against $4.6M.
-$16K provision for credit losses against -$108K.
$611K net income against -$970K.
0.83% return on assets against -1.38%; 4.14% net interest margin against 4.03%.
15.93% CET1 capital ratio against 16.74%; 10.25% tier 1 leverage ratio against 10.01%.
Inside the full Brattleboro Savings & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBrattleboro Savings & Loan Association rankings
Its closest position to the top of a national ranking is 719 of 2,134, for CET1 ratio; its furthest is 3,148 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.38% (Q2 2025) to 1.21% (Q3 2024) and its net interest margin ran from 3.90% (Q4 2024) to 4.21% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.93% | 0.83% | 0.72% | 5.08% | 4.14% |
| Q1 2026 | 15.93% | 0.71% | 0.04% | 0.26% | 4.15% |
| Q4 2025 | 16.28% | 0.45% | 0.16% | 1.09% | 4.21% |
| Q3 2025 | 16.61% | 0.61% | 0.06% | 0.42% | 4.13% |
| Q2 2025 | 16.74% | -1.38% | 0.16% | 1.06% | 4.03% |
| Q1 2025 | 16.92% | 0.70% | 0.00% | 0.00% | 3.91% |
| Q4 2024 | 16.60% | 0.93% | 0.00% | 0.00% | 3.90% |
| Q3 2024 | 16.48% | 1.21% | 0.01% | 0.10% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Brattleboro Savings and Loan Association | Brattleboro , VT | 05301 | $209.9M |
| Wilmington Branch | Wilmington , VT | 05363 | $29.0M |
| Brattleboro Branch | Brattleboro , VT | 05301 | $16.3M |
| Bondville Branch | Bondville , VT | 05340 | $7.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1994 | Structure Change | Acquired Springfield Savings & Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 1 against individuals associated with it
- August 27, 2004, OCC (former OTS): Cease and Desist: The Brattleboro Savings & Loan Association, F.A.
- February 11, 1992, OCC (former OTS): Civil Money Penalty: Brattleboro Savings and Loan Association
- Period: Most recent institution action August 27, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in VT, rank 17 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Brattleboro Savings & Loan Association
What are Brattleboro Savings & Loan Association's total assets?
As of the Q2 2026 filing, Brattleboro Savings & Loan Association reported total assets of $296.4 million in its FFIEC call report.
Where is Brattleboro Savings & Loan Association headquartered?
It is headquartered in Brattleboro, VT, United States.
When was Brattleboro Savings & Loan Association founded?
It was established in 1912, per the FDIC institution directory.
Is Brattleboro Savings & Loan Association FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #28837). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brattleboro Savings & Loan Association?
Brattleboro Savings & Loan Association's primary federal regulator is the Federal Reserve.
What is Brattleboro Savings & Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Brattleboro Savings & Loan Association 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 Brattleboro Savings & Loan Association's Texas Ratio?
Its Texas Ratio is 5.08% 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 Brattleboro Savings & Loan Association previously called?
The charter now named Brattleboro Savings & Loan Association has also operated as The Brattleboro Savings and Loan Association (2009), The Brattleboro Savings and Loan Association, F.A. (1994-2009), Brattleboro Savings and Loan Association (1985-1994), per FDIC structure-change records.
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