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Business Bank, The
S Burlington, VT · FDIC Certificate #59298 · Chartered 08/0
Total assets
$352.21M
Total deposits
$310.79M
Total equity
$39.24M
Net loans
$234.82M
Branches (offices)
2
Net income (YTD)
-$504.00K
Rank: #2,246 of 4,213 U.S. banks by assets · #9 of 12 in Vermont. Assets changed 30.7% and deposits 28.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.33% |
| Return on equity | -2.79% |
| Net interest margin (YTD) | 3.04% |
| Equity to assets | 11.14% |
| Tier 1 leverage ratio | 12.40% |
| Uninsured deposits (share of deposits) | 39.9% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 75.6% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $197.83M | 84.2% | |
| Commercial & industrial | $39.70M | 16.9% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $18.88M | 8.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2023 | $125.92M | $96.75M | -$1.49M | $28.13M |
| Jun 2024 | $218.47M | $191.47M | -$1.14M | $25.75M |
| Jun 2025 | $269.48M | $242.66M | $82.00K | $25.84M |
| Jun 2026 | $352.21M | $310.79M | -$504.00K | $39.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $282.06M | 1 |
| New Hampshire | $28.73M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $310.79M.
Similar-sized banks
Sterling Bank ($352.37M) · Iowa State Bank And Trust Company Of Fairfield, Iowa ($352.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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