Business Bank, The
S Burlington, VT
IDRSSD: 5760662
Total Assets
$288.08M
Latest filing
Total Deposits
$252.06M
Latest filing
Net Interest Margin
2.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
011601456SOUTH BURLINGTON, VT
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Business Bank, The
30 Kimball Ave
S Burlington, VT 05403
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/02/2022FDIC Certificate 640962
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Business Bank, The (Main) | 30 Kimball Ave | S Burlington, VT | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/02/2022 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05403 |
| State and County Number | 50007 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Burlington-South Burlington, VT |
Operational Info
| Number of Employees | 24 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/24/2025 |
| Date of Deposit Insurance | 08/02/2022 |
| Primary Insurance Agency | DIF |
| Website | www.thebusinessbank.com |
| Data Updated | 01/30/2026 |
| CERT | 59298 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $288.08M |
| Total Deposits | $252.06M |
| Total Liabilities | $254.08M |
| Total Equity Capital | $34.01M |
| Net Income | $-2,487,000 |
| Net Loans and Leases | $184.96M |
| Assets Per Employee ($Millions) | $12.53M |
| Bank Premises and Fixed Assets | $500.00k |
| Cash and Balances due from Depository Institutions | $54.88M |
| Deposits Held in Domestic Offices | $252.06M |
Key Performance Ratios
| Return on Assets (ROA) | -3.33% |
| Return on Equity (ROE) | -31.8% |
| Net Interest Margin | 2.86% |
| Efficiency Ratio | 140.75% |
| Tier 1 Risk-Based Capital Ratio | 18.731% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.7% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.805% |
| Earning Assets to total Assets | 97.93% |
Income and Expense
| Total Interest Income | $3.89M |
| Total Noninterest Income | $18.00k |
| Total Interest Expense | $1.81M |
| Total Noninterest Expense | $2.95M |
| Net Interest Income | $2.08M |
| Pre-tax Net Operating Income | $-1,374,000 |
| Provision for Credit Losses | $521.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.02M |
| Total Liabilities and Capital | $288.08M |
Securities
| Securities | $45.99M |
| Available-for-sale debt securities | $29.68M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $16.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Business Bank, The?
$288.08M as of the latest filing.
How much are Business Bank, The's total deposits?
$252.06M in total deposits.
Where is Business Bank, The located?
S Burlington, VT.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
1.
When was it established?
08/02/2022.
What is the Return on Assets (ROA)?
-3.33%.
How much are total loans and leases?
$184.96M (latest filing).
What is the total interest income (latest filing)?
$3.89M.