The Business Bank: 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 Loan-to-deposit ratio: 6.36 percentage points lower than in Q1 2026, at 76.35%. The Business Bank has the 1st lowest return on assets of the 12 banks headquartered in Vermont, at -0.49% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, The Business Bank reported -0.49% on return on assets in Q2 2026, 1.74 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.74% |
| Tier 1 risk-based capital ratio | 14.74% |
| Total risk-based capital ratio | 15.70% |
| Tier 1 leverage ratio | 12.40% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 1169.67% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.49% |
| Return on equity | -4.24% |
| Net interest margin | 3.02% |
| Efficiency ratio | 98.97% |
| Yield on earning assets | 5.43% |
| Cost of funds | 2.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.35% |
| Core deposits to total deposits | 88.04% |
| Brokered deposits to total deposits | 11.86% |
| Deposits to assets | 88.24% |
| Securities to assets | 12.88% |
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 | — | — | — | 20.46% | -1.58% |
| Q4 2023 | — | — | — | 18.46% | -1.62% |
| Q1 2024 | — | — | — | 16.41% | -1.30% |
| Q2 2024 | — | — | — | 13.45% | -1.28% |
| Q3 2024 | — | — | — | 10.91% | -0.76% |
| Q4 2024 | 16.78% | 16.78% | 17.58% | 9.77% | -0.66% |
| Q1 2025 | 16.99% | 16.99% | 17.83% | 9.26% | 0.02% |
| Q2 2025 | 16.04% | 16.04% | 16.88% | 9.99% | 0.10% |
| Q3 2025 | 14.87% | 14.87% | 15.77% | 9.32% | -0.26% |
| Q4 2025 | 18.73% | 18.73% | 19.88% | 11.36% | -1.05% |
| Q1 2026 | 15.57% | 15.57% | 16.53% | 12.45% | -0.15% |
| Q2 2026 | 14.74% | 14.74% | 15.70% | 12.40% | -0.49% |
The Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Business Bank, 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 The Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59298) · FFIEC NIC profile (RSSD 5760662)