RANKING ·
Lowest efficiency ratio in Vermont
11 of 12 banks in Vermont that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Community National Bank | Derby, VT | 51.8% | $1.2 billion |
| 2 | The Bank of Bennington | Bennington, VT | 65.4% | $662 million |
| 3 | Northfield Savings Bank | Northfield, VT | 70.5% | $1.6 billion |
| 4 | National Bank of Middlebury | Middlebury, VT | 72.7% | $554 million |
| 5 | Peoples Trust Company of St. Albans | Saint Albans, VT | 75.8% | $395 million |
| 6 | Union Bank | Morrisville, VT | 76.0% | $1.6 billion |
| 7 | Brattleboro Savings & Loan Association | Brattleboro, VT | 77.4% | $296 million |
| 8 | Ledyard National Bank | Norwich, VT | 78.9% | $1.1 billion |
| 9 | Wells River Savings Bank | Wells River, VT | 79.9% | $267 million |
| 10 | Passumpsic Savings Bank | Saint Johnsbury, VT | 83.4% | $934 million |
| 11 | The Business Bank | S Burlington, VT | 99.0% | $352 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings