Bank Comparison
Bank of Bennington, the vs National Bank of Middlebury
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| CET1 Ratio | 19.61% | 16.87% |
| Tier 1 Capital Ratio | 19.61% | 16.87% |
| Total Capital Ratio | 20.87% | 17.30% |
| Tier 1 Leverage Ratio | 11.40% | 9.68% |
| Equity / Assets | 10.74% | 7.97% |
Profitability
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| Return on Assets (ROA) | 0.84% | 0.99% |
| Return on Equity (ROE) | 7.77% | 12.75% |
| Net Interest Margin (NIM) | 3.01% | 3.53% |
| Yield on Earning Assets | 4.75% | 4.38% |
| Cost of Funds | 1.92% | 0.87% |
Asset quality
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| Texas Ratio | 1.79% | 0.11% |
| Non-Performing Loan Ratio | 0.27% | 0.01% |
| Non-Performing Asset Ratio | 0.21% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.11% | 0.38% |
Balance sheet
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| Total Assets | $650,111K | $555,199K |
| Total Deposits | $490,704K | $502,860K |
| Total Loans | $499,287K | $347,497K |
| Total Equity | $69,837K | $44,251K |
| Net Income (quarter) | $1,343K | $1,403K |
Liquidity & funding
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| Loan-to-Deposit Ratio | 101.75% | 69.10% |
| Core Deposit Ratio | 94.64% | 96.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Bennington, the | National Bank of Middlebury |
|---|---|---|
| Headquarters City | BENNINGTON | MIDDLEBURY |
| Headquarters State | VT | VT |
| Asset Tier | Medium | Medium |
| Charter Class | 705214 | 1195 |
| Regulator | OCC | OCC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 59 | 78 |
| Established | Jan. 1, 1917, midnight | Nov. 9, 1831, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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