The Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Business Bank of South Burlington, VT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.49% | 1.34% | -1.83% | 3rd bottom |
| ROAE | -4.24% | 13.32% | -17.56% | 3rd bottom |
| Net Interest Margin | 3.02% | 3.93% | -0.91% | 10th bottom |
| Efficiency Ratio | 98.97% | 61.13% | +37.84% | 3rd bottom |
| PPNR / Avg Assets | 0.03% | 1.68% | -1.65% | 3rd bottom |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 2.63% | 1.88% | +0.75% | 12th bottom |
| Net Interest Spread | 2.64% | 3.32% | -0.68% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.04% | 1.28% | -0.24% | 30th below |
| ACL / NPLs (Coverage) | 1169.67% | 1538.81% | -369.14% | — |
| Texas Ratio | 0.51% | 7.33% | -6.82% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.74% | 19.50% | -4.76% | 46th below |
| Tier 1 Ratio | 14.74% | 19.54% | -4.80% | 46th below |
| Total Capital Ratio | 15.70% | 20.62% | -4.92% | 44th below |
| Leverage Ratio | 12.40% | 12.14% | +0.26% | 69th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.37% | -0.23% | 62nd above |
| TCE / Tangible Assets | 11.14% | 11.09% | +0.05% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.35% | 80.64% | -4.29% | 59th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.04% | 86.86% | +1.18% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 30.70% | 6.84% | +23.86% | 98th top |
| Loan Growth (Y/Y) | 57.91% | 7.89% | +50.02% | 99th top |
| Deposit Growth (Y/Y) | 28.08% | 6.28% | +21.80% | 97th top |
See The Business Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Business Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Business Bank profile, how to read a UBPR, or how this data updates.