Financial strength ranking · Vermont · Call Report data as of Q2 2026

Best Banks in Vermont by Financial Strength

Community National Bank ranks first among the 10 banks headquartered in Vermont we score, with a financial strength score of 55.3 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: Community National Bank
Its score: 55.3 of 100
Banks scored in Vermont: 10
Its return on assets: 1.61%

Every scored bank in Vermont

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Vermont ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	Community National Bank Derby	55.3	1.61%	51.04%	10.63%	0.72%	$1.17B
2	The Bank of Bennington Bennington	43.3	0.88%	65.43%	11.43%	0.31%	$661.9M
3	Peoples Trust Company of St. Albans Saint Albans	41.1	0.94%	74.35%	11.79%	0.31%	$395.4M
4	National Bank of Middlebury Middlebury	39.2	0.98%	71.72%	9.86%	0.10%	$553.5M
5	The Business Bank South Burlington	38.0	-0.49%	98.97%	12.40%	0.06%	$352.2M
6	Northfield Savings Bank Northfield	37.1	0.82%	69.59%	10.96%	0.38%	$1.58B
7	Wells River Savings Bank Wells River	29.2	0.59%	79.94%	10.75%	0.44%	$266.9M
8	Brattleboro Savings & Loan Association Brattleboro	28.4	0.83%	77.42%	10.25%	0.55%	$296.4M
9	Ledyard National Bank Norwich	25.6	0.77%	77.25%	8.27%	0.21%	$1.07B
10	Union Bank Morrisville	16.0	0.76%	73.96%	7.82%	0.97%	$1.56B

Full financials, 26-year trends & peer benchmarks on every institution, free. Start free →

How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Vermont?

By our financial strength score, Community National Bank of Derby ranks first among the 10 scored banks headquartered in Vermont, scoring 55.3 out of 100 for Q2 2026: return on assets of 1.61%, an efficiency ratio of 51.04%, a Tier 1 leverage ratio of 10.63% and nonperforming assets of 0.72% of total assets. The Bank of Bennington and Peoples Trust Company of St. Albans rank second and third.

How are the best banks in Vermont ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Vermont

Largest banks in Vermont Bank deposits in Vermont Largest credit unions in Vermont Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.