Vermont

Banks

Vermont's 12 banks hold $8.9B in assets at 30 June 2026. Northfield Savings Bank is the largest at $1.6B, and the five largest hold 71% of the total; 4 institutions are above $1B, holding $5.4B.

Loans grew a median +3.9% in the year to 30 June 2026: 3 institutions grew faster than 10% and 2 shrank. The median bank lends 86% of its deposits and holds commercial real estate at 25.9% of loans. Nonperforming loans sit at a median 0.58% of the book, return on assets at 0.81%, and equity at 10.4% of assets.

2 of the 12 are in the catalogue, each read from its own filing beside the banks its size in the state: Union Bank, Passumpsic Savings Bank.

Northfield Savings Bank holds 17.7% of the state's bank assets; the five largest hold 71%, and 4 of the 12 are above $1B.

The curve's distance from the diagonal is the concentration: 71% of the assets in 42% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 46.2% of the state's $6.5B in loans, then Nonfarm nonresidential, non-owner-occupied at 15.6% and Nonfarm nonresidential, owner-occupied at 10.0%.

Business Bank the grew fastest at +57.9%; 3 grew faster than 10% and 2 shrank, First National Bank of Orwell the most at -6.9%. The median is +3.9%.

Business Bank the is the most CRE-weighted at 55.9% of loans; 2 of the 12 are above 40%, against a median of 25.9%.

2 of the 12 banks sit above the 300% screen, Union Bank the highest at 335% of capital; the median is 169%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 12 banks sit above the 100% construction screen, Ledyard National Bank the highest at 80%; the median is 24%.

2 of the 12 lend more than they hold in deposits, Bank of Bennington the furthest at 104%; the median is 86%.

First National Bank of Orwell carries the most nonperforming loans at 2.33% of the book; 2 of the 12 are above 1%, and the median is 0.58%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 12 hold an allowance smaller than their nonperforming loans.

Community National Bank earns the most at 1.57% and Business Bank the the least at -0.31%; 1 of the 12 earn under 0.50%, and the median is 0.81%.

Community National Bank runs the leanest at 52.8% of revenue in cost; 3 of the 12 spend more than 80 cents of every revenue dollar, and the median is 75.6%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Northfield Savings Bank	$1.6B	+4.4%	29.4%	87%	0.52%	0.72%	9.9%
Union Bank	$1.6B	+0.9%	41.8%	102%	1.35%	0.76%	6.8%
Community National Bank	$1.2B	+3.1%	33.3%	99%	0.86%	1.57%	11.3%
Ledyard National Bank	$1.1B	+17.0%	32.9%	84%	0.31%	0.71%	7.4%
Passumpsic Savings Bank	$934M	+3.2%	6.7%	87%	0.71%	1.34%	13.6%
Bank of Bennington	$662M	+7.1%	10.9%	104%	0.40%	0.85%	10.8%
National Bank of Middlebury	$554M	-0.0%	19.0%	70%	0.15%	0.99%	8.2%
Peoples Trust Co. of ST Albans	$395M	+3.4%	24.7%	85%	0.41%	1.01%	11.1%
Business Bank the	$352M	+57.9%	55.9%	76%	0.09%	-0.31%	11.1%
Brattleboro S & Loan Association	$296M	+7.8%	27.2%	86%	0.72%	0.76%	10.1%
Wells River Savings Bank	$267M	+12.7%	8.2%	80%	0.63%	0.60%	8.8%
First National Bank of Orwell	$92M	-6.9%	6.0%	84%	2.33%	1.46%	11.4%

Credit unions

Vermont's 13 credit unions hold $7.3B in assets at 31 March 2026. Eastrise is the largest at $3.2B, and the five largest hold 93% of the total; 3 institutions are above $1B, holding $5.4B.

Loans grew a median +5.4% in the year to 31 March 2026: 5 institutions grew faster than 10% and 5 shrank. The median credit union lends 83% of its shares, with member business loans at 5.5% of loans. Delinquent loans sit at a median 0.81% of the book, return on assets at 0.35%, and net worth at 10.7% of assets.

None of the 13 is in the catalogue yet.

Eastrise holds 43.5% of the state's credit union assets; the five largest hold 93%, and 3 of the 13 are above $1B.

The curve's distance from the diagonal is the concentration: 93% of the assets in 38% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Green Mountain grew fastest at +52.7%; 5 grew faster than 10% and 5 shrank, Central Vermont Medical Center,inc. the most at -14.4%. The median is +5.4%.

Heritage Family carries the most commercial lending at 18.7% of loans; 4 of the 13 are above 10%, against a median of 5.5%.

1 of the 13 lend more than they hold in shares, Green Mountain the furthest at 116%; the median is 83%.

Central Vermont Medical Center,inc. carries the most delinquency at 4.87% of the book; 6 of the 13 are above 1%, and the median is 0.81%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 10 of the 13 hold an allowance smaller than their delinquent loans.

802 earns the most at 1.19% and ST Patrick's Parish the least at -4.12%; 10 of the 13 earn under 0.50%, and the median is 0.35%.

Green Mountain runs the leanest at 52.9% of revenue in cost; 10 of the 13 spend more than 80 cents of every revenue dollar, and the median is 86.8%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Eastrise	$3.2B	+5.4%	11.6%	99%	0.49%	0.45%	12.1%
North Country	$1.1B	+9.9%	9.1%	89%	0.81%	0.50%	9.5%
Vermont	$1.1B	+11.9%	13.2%	90%	0.49%	0.87%	10.7%
Heritage Family	$853M	+12.5%	18.7%	88%	0.75%	0.45%	11.9%
802	$500M	+21.5%	5.5%	87%	1.26%	1.19%	12.4%
One	$263M	+2.4%	9.5%	78%	1.06%	0.22%	7.8%
Green Mountain	$152M	+52.7%	10.9%	116%	3.46%	0.35%	13.2%
Northern Lights	$44M	+24.9%	4.3%	76%	0.37%	0.32%	14.4%
Members 1st	$23M	-0.2%	0.0%	72%	2.79%	0.59%	9.2%
Central Vermont Medical Center,inc.	$13M	-14.4%	0.0%	44%	4.87%	-0.18%	26.2%
Orlex Government Employees	$7M	-7.1%	0.0%	83%	0.74%	-0.67%	10.0%
Northeast Schools and Hospital	$6M	-4.4%	0.0%	60%	0.43%	0.02%	8.8%
ST Patrick's Parish	$533K	-14.3%	0.0%	83%	2.76%	-4.12%	5.7%