# BANK OF BENNINGTON
BENNINGTON, VT · FDIC certificate 30350 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $661.9M | |
| Deposits | $494.3M | |
| Loans and leases | $513.0M | |
| Total equity | $71.2M | |
| Loans / deposits | 102.68% (p92 of band) | 82.04% |
| Liquid assets / assets | 19.33% (p30 of band) | |
| Uninsured deposits / deposits | 11.95% (p7 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.54% (p83 of band) | |
| FHLB advances / assets | 12.54% | |
| Tier 1 leverage | 11.43% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -6.15% (p57 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 0.86% (p25 of band) | 1.28% |
| Net interest margin | 3.10% (p12 of band) | 3.91% |
| Efficiency ratio | 66.64% (p66 of band) | |
| Noncurrent loans | 0.40% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 269.62% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 6.64% (p11 of band) | |
| Auto loans | $586,000 (0.11% of loans; DQ 1.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 3 | securities losses >30% of equity | liquid assets <10% |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | securities losses >30% of equity |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 4 | reserve under noncurrent |  |
| 2015-03 | 2 |  | capital falling, reserve under noncurrent |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | reserve under noncurrent |  |
| 2019-03 | 2 |  | reserve under noncurrent |
| 2019-06 | 1 |  | wholesale funding >15% |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | charge-offs p90 |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | charge-offs p90 |  |
| 2022-09 | 0 |  | charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | loans exceed deposits |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-16 [Treasurer and Bank of Bennington announce Building Up Bennington County program - benningtonbanner.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxQb0owY2pCaEhXaHJRVG9TUzAwOHk5UjNjNnNXY3VsbTBSTHR1YzlDRUZWM0dPZ3NwS283UFd1V3dTdm9RQ0RNT2dvcExaanVsZFVkYWF5X3JfRUJMMC03dklTQ2hxeXlOR2tnQWZnQU4wMTlyZlFKNDgxUzdGWDYyXy14SlVDMDk2VjFPOEFLbzUwaTZVeTFHWGJycS1hMUwxRUxFSUU3QXhOVlV0SGY2M0E4dEkzSTVqZkEwWm5qXzhqa25xdHFqMHR5UXR6d1J1RHBRZm5IckZ3VTJEMUtCTTVCQ19iUXZ1Yzg0RElLMFJPTTlmR3lxY05NZjdpRHFNRUFV?oc=5) · benningtonbanner.com
- 2026-03-16 [New Bennington County loan program aims to boost housing supply - VTDigger](https://news.google.com/rss/articles/CBMinAFBVV95cUxNdnBCMk1HbjA2TVMzdmlNSlU3WmZNMEI5YkZCMDdkUVdveUl1VC1CSzZ2ZVJDRXRxRDhqNWxPQnc5TjJEV0JiNE4wM2xWSnpjSDYyelFKOW1jV0I4emFhZk9ELWliMFN6V1NhaUh2YlAySm9RX3VSSlZmU0JmUGRhaGtseEZIVkxoTU5za0tvRzFueHBWMXAtMTlsUF8?oc=5) · VTDigger
- 2026-01-21 [The Best Savings Accounts in Vermont for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMid0FVX3lxTE9FOUdRRUpqUGpZZGVjdDc5cVQ4NV9XNnByWExLUkpjNlJSMERHT184SHlzU0lmVVAxZXFhOGp6UC1yWWZGU2V1N01EYTNxaG9tVDFETEIwMFdoZ1dYTXF6VVI1TkppZ0Z1WEV1dlhPWFR6aExkSm9R?oc=5) · MoneyRates
- 2026-02-13 [Bank of Bennington commits $75,000 to launch entrepreneurship initiative - benningtonbanner.com](https://news.google.com/rss/articles/CBMi_gFBVV95cUxOMFZrT3E2SzlPRS1JWmVGUExDbDd1QlR4bVBPYWdHazhIdDdpOGxpckNiT19YdzlQazVvWEFQblpQNFRoY0Z1MUZTYzFENmQyd1Vra1ZtdnNZNEhscmxoLUhMRUZaakRkT3A0Y2FDSGs2MGQ1SmViUjI4S3JiYW1Na2xMV2ZqNE5DbFBlLXhxSG5VcUxTNk5JbFp4c1l5dGF2eXY1MlhwbFAwbHNsWU1TdUdzRnJKcVBiRDZ0d1I1ZFhaeHFUaDFXa3kxY2kydFU5N2ZhVjFTTW1hZW9zWlBrLTlxVGpGTS1FQzIxVDRvRjhBRWxTWlB5ejg4SEc0Zw?oc=5) · benningtonbanner.com
- 2023-01-03 [The Bank of Bennington completes $30,000 in community donations - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimwFBVV95cUxQN2lONXlNalZSSVdtNGltWXhTM3l6dHlOMktPUUx6TENtb0praldhcUstWFRkRHhnQWRYU0pfcmdFNVJ1cVdsbk5tbkFQamxZQmwtRm1CNzdrZTBjWVFUYm9uRkFIeVdYYUxVVW00S21FdjVfdE1MRzBBOUNLOHQtMThvaVJKZHdfSXNaSG9rQjEwVzk5b1JDZXEycw?oc=5) · Vermont Business Magazine
- 2026-04-10 [Bank of Bennington makes $100,000 contribution to Riley Rink Capital Campaign - benningtonbanner.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNQmMtYjY2Rzl5UXdLaC1BQWhDZm82bEo1dGthQ1QtbGYya3F6R3MyVk5xZHZ5bkR5WU10djJBaGVTOFZaeUpROVIwR1cxQ2VEZkN0bHhGSkJQSlhUZm9zNEhBUGFXLUthQ0NDTDVscmJtUUtYWGZiRVdFbEFoSFhaVW1JZndFTzBXZklTVmFWcmhYZENPTWctUUVtdDVFY3JuTS1vQUh2RVNyOVppLWVzRmRUUGxXNHFURi1PWEM4eFhxSldkTFVLRFl3ZW1lbnZZQUhNSklJUnlKbHlBMTZZU1FTRklDM3hDMm9TTXpmaEFKSEtKVjdmUndWc01Ld2s?oc=5) · benningtonbanner.com
- 2019-08-06 [The Bank of Bennington announces promotions - Vermont Business Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTFBmSld2Xzg5Mkx5Q2J2a2hxckFHeDlxblNMTVZLUFFrU3U2VHlEcDdjUEZ5VTBNOTBfSW9rM2ZFUG9ST1BoWHdReFVZYjAxLVNGSUc1eWFsVDI0MXJlVlhFU3ZGMUxHXzA4bmRlZEdCZzh6VWZIUmtxc1RmTFYzUQ?oc=5) · Vermont Business Magazine
- 2024-07-18 [Consolidation has changed everything about Brattleboro’s banking landscape — except for one bank - VTDigger](https://news.google.com/rss/articles/CBMixAFBVV95cUxPN3lRVVZwdVBWZlpwR3I1X0ZlMmFhVjVCVXF5Q3ExVmZkMnFoR2RXU09fRWh5a3JZWW80aVY0WXdfU3hnVnFhUjJOb1BCMWpSZjVtejBnM2h6UEpPSVRYNEwzbWpOZG5BMzI0U3pCSmhsV21VSmtnZ0xUVWFnQjA2S1J1bWcxa0VUeGhob1dDdUlSTUlnWDlod3JqQzFxb3g3NDJWMzkzdWxHeUVZQUctWC1Ld2R4d1pOUUN2X3h4S2Z4bXJ2?oc=5) · VTDigger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30350 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "30350", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide