Brattleboro Savings & Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 156.54 percentage points lower than in Q1 2026, at 90.50%. Brattleboro Savings & Loan Association ranks 7th of 12 Vermont banks on return on assets, in the lower half at 0.83% (Q2 2026). Brattleboro Savings & Loan Association reported 0.83% on return on assets for Q2 2026, 0.42 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.93% |
| Tier 1 risk-based capital ratio | 15.93% |
| Total risk-based capital ratio | 17.09% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 10.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.96% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 90.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 8.25% |
| Net interest margin | 4.14% |
| Efficiency ratio | 77.42% |
| Yield on earning assets | 5.29% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.86% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.50% |
| Securities to assets | 11.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.24% | 15.24% | 16.49% | 8.53% | 0.76% |
| Q4 2023 | 15.35% | 15.35% | 16.60% | 8.69% | 0.63% |
| Q1 2024 | 15.65% | 15.65% | 16.90% | 8.97% | 0.75% |
| Q2 2024 | 15.49% | 15.49% | 16.74% | 9.02% | 0.70% |
| Q3 2024 | 16.48% | 16.48% | 17.73% | 9.26% | 1.21% |
| Q4 2024 | 16.60% | 16.60% | 17.85% | 9.42% | 0.93% |
| Q1 2025 | 16.92% | 16.92% | 18.18% | 9.57% | 0.70% |
| Q2 2025 | 16.74% | 16.74% | 17.99% | 10.01% | -1.38% |
| Q3 2025 | 16.61% | 16.61% | 17.86% | 10.03% | 0.61% |
| Q4 2025 | 16.28% | 16.28% | 17.53% | 10.15% | 0.45% |
| Q1 2026 | 15.93% | 15.93% | 17.12% | 10.35% | 0.71% |
| Q2 2026 | 15.93% | 15.93% | 17.09% | 10.25% | 0.83% |
Brattleboro Savings & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brattleboro Savings & Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Brattleboro Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28837) · FFIEC NIC profile (RSSD 580874)