Safest Banks in Vermont 2026
Vermont has 11 FDIC-insured banks with an average Bank Health Score of 75/100 (B). The safest bank is Wells River Savings Bank with a score of 90/100.
Data from FDIC Q2 2024
Top 11 Banks in Vermont
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Wells River Savings Bank | Wells River | A | 90 | 16.72% | 0.48% |
| 2 | Brattleboro S&La | Brattleboro | A | 90 | 15.49% | 0.08% |
| 3 | National Bank of Middlebury | Middlebury | A | 90 | 14.38% | 0.33% |
| 4 | Ledyard National Bank | Norwich | A | 89 | 13.71% | 0.19% |
| 5 | Peoples Tr Co of St Albans | Saint Albans | A | 87 | 14.86% | 0.40% |
| 6 | Bank of Bennington | Bennington | A | 85 | 19.54% | 0.40% |
| 7 | Union Bank | Morrisville | B | 78 | 12.27% | 0.19% |
| 8 | Passumpsic Savings Bank | Saint Johnsbury | B | 75 | 18.56% | 1.57% |
| 9 | Bank of Burlington | South Burlington | C | 55 | 0.00% | 0.00% |
| 10 | Northfield Savings Bank | Northfield | D | 49 | 0.00% | 0.19% |
| 11 | First Nb of Orwell | Orwell | D | 37 | 0.00% | 1.76% |
Bank Health Scores for Vermont are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Wells River Savings Bank in Wells River is currently the safest bank in Vermont with a score of 90/100 (Grade A).
Vermont has 11 FDIC-insured banks with a combined $7.0B in total assets. The average Bank Health Score across the state is 75/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).