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Asset Quality · Vermont

US Banks with Highest Texas Ratio in Vermont

Ranked among banks headquartered in Vermont. Re-ranked 1-11 within the state from the same national ranking population.

#1 Texas Ratio: UNION BANK — 16.25% . The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.

Ranked: 11 banks with reported data Showing: Top 11 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Texas Ratio? A Bank Failure Warning Sign
# Bank HQ US Banks with … Total Assets
1 Union Bank Morrisville , VT 16.25% $1.62B
2 Passumpsic Savings Bank Saint Johnsbury , VT 8.73% $925.4M
3 Wells River Savings Bank Wells River , VT 6.38% $259.5M
4 Community National Bank Derby , VT 6.08% $1.23B
5 Peoples Trust Company of ST. Albans Saint Albans , VT 5.15% $380.0M
6 Northfield Savings Bank Northfield , VT 4.42% $1.58B
7 Brattleboro Savings & Loan Association Brattleboro , VT 2.69% $296.4M
8 Bank of Bennington, the Bennington , VT 1.79% $650.1M
9 Ledyard National Bank Norwich , VT 1.74% $1.04B
10 National Bank of Middlebury Middlebury , VT 0.11% $555.2M
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11 Business Bank, the South Burlington , VT 0.00% $286.7M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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