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The Bank Of Bennington

IDRSSD: 133579
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #133579 2024-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.37% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -6
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.8%, cash 2.4% of assets.

Cash / Assets
2.37%
Loans / Deposits
96.76%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.37% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.96%, CET1 18.96%, leverage 11.28%.

Tier 1 RBC
18.96%
CET1
18.96%
Leverage
11.28%
No watch items at this period.

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.35%, Texas Ratio 2.2%, NCO YTD 0.00%.

Adjusted NPL
0.35%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.00%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
89
Sub-score

Reserves are strong: ALLL 1.16% of loans, coverage 334.1%, true coverage 333.1%.

ALLL / Loans
1.16%
Coverage
334.1%
True Loss Coverage
333.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:46:46 UTC