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Banks in Vermont
The 12 FDIC-insured banks headquartered in Vermont, their bank failures since 1934 and the largest credit unions. From the FDIC and the NCUA; quarter ending Jun 30, 2026.
- Banks headquartered here
- 12
- Their assets
- $8.9B
- Their deposits
- $7.3B
- Failures since 2000
- 0
- Credit unions
- 12
Every bank headquartered in Vermont
Ranked by total assets, quarter ending Jun 30, 2026. Banks based elsewhere with branches here are not included.
| # | Bank | Holding company | Assets | Deposits | Equity | Net income, year to date | ROA | ROE | CET1 ratio | Uninsured deposits | Offices |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Northfield Savings BankNorthfield, VT | Northfield MHC | $1.6B | $1.3B | $156.8M | $5.7M | 0.71% | 7.33% | – | 18% | 13 |
| 2 | Union BankMorrisville, VT | UNION BANKSHARES INC | $1.6B | $1.1B | $106.1M | $6.4M | 0.80% | 12.83% | 12.8% | 39% | 21 |
| 3 | Community National BankDerby, VT | Community Bcorp | $1.2B | $983.4M | $132.5M | $9.7M | 1.58% | 15.07% | 14.8% | 23% | 12 |
| 4 | Ledyard National BankNorwich, VT | Ledyard Financial Group Inc | $1.1B | $874.4M | $79.0M | $3.8M | 0.71% | 9.72% | 11.2% | 13% | 11 |
| 5 | Passumpsic Savings BankSaint Johnsbury, VT | Passumpsic Bcorp | $934.5M | $753.0M | $127.1M | $6.3M | 1.35% | 10.24% | 19.7% | 24% | 13 |
| 6 | The Bank of BenningtonBennington, VT | Community Financial MHC | $661.9M | $494.3M | $71.2M | $2.8M | 0.86% | 7.97% | 18.8% | 12% | 5 |
| 7 | The National Bank of MiddleburyMiddlebury, VT | Middlebury National Corp | $553.5M | $500.2M | $45.4M | $2.8M | 1.01% | 12.55% | 17.0% | 11% | 7 |
| 8 | Peoples Trust Company of St. AlbansSaint Albans, VT | – | $395.4M | $348.8M | $43.7M | $2.0M | 1.02% | 9.16% | 16.4% | 18% | 5 |
| 9 | Business Bank, TheS Burlington, VT | – | $352.2M | $310.8M | $39.2M | −$504.0K | −0.33% | −2.79% | 14.7% | 40% | 2 |
| 10 | The Brattleboro Savings and Loan AssociationBrattleboro, VT | – | $296.4M | $262.3M | $29.9M | $1.1M | 0.76% | 7.59% | 15.9% | 16% | 5 |
| 11 | Wells River Savings BankWells River, VT | – | $266.9M | $234.6M | $23.6M | $806.0K | 0.62% | 6.99% | 16.2% | 7% | 6 |
| 12 | The First National Bank of OrwellOrwell, VT | – | $91.5M | $80.5M | $10.4M | $667.0K | 1.49% | 12.87% | – | 8% | 2 |
Source: FDIC BankFind Suite. Assets, deposits and equity at the end of the latest quarter; net income is year to date. ROA and ROE are annualized returns on assets and equity. CET1 is common equity tier 1 capital as a share of risk-weighted assets. CET1 is blank for banks that do not report it (many small banks use the simpler community bank leverage ratio). Uninsured deposits is the bank's own estimate of the share of deposits above the insurance limit.
Bank failures in Vermont
5 since 1934; the latest 25.
| Date | Bank | State | Assets | Deposits | Cost to the fund | Acquirer | Resolution |
|---|---|---|---|---|---|---|---|
| Jan 29, 1993 | First National Bank of VermontBradford, VT | VT | $295.8M | $282.4M | $25.5M | New First NB of Vermont | Purchase and assumption, insured deposits |
| Sep 13, 1991 | Valley BankWhite River Junction, VT | VT | $33.7M | $35.6M | $11.1M | Vermont National Bank | Purchase and assumption |
| Mar 17, 1943 | The Poultney National BankPoultney, VT | VT | $919.0K | $862.0K | – | – | Payout |
| Mar 9, 1940 | Hartford Savings Bank and Trust CompanyWhite River Junction, VT | VT | – | $352.0K | – | – | Purchase and assumption |
| Jul 28, 1938 | Winooski Savings BankWinooski, VT | VT | $4.0M | $2.5M | – | – | Payout |
Source: FDIC BankFind Suite. Cost to the fund is the FDIC's estimated loss to the deposit insurance fund (earlier funds for older failures). Assets and deposits as of the last report before failure. Assistance transactions kept the bank open with FDIC help.
The largest credit unions in Vermont
12 credit unions; the largest 25 by assets.
| # | Credit union | Charter | Assets | Members | Loans | Shares and deposits | Net worth ratio | Net income, year to date |
|---|---|---|---|---|---|---|---|---|
| 1 | EastriseWilliston, VT | Federal | $3.2B | 178,251 | $2.6B | $2.7B | 12.32% | $18.4M |
| 2 | VermontSouth Burlington, VT | Federal | $1.1B | 63,532 | $901.0M | $1.0B | 10.81% | $5.0M |
| 3 | North CountryS Burlington, VT | Federal | $1.1B | 79,521 | $914.6M | $1.0B | 9.72% | $4.7M |
| 4 | Heritage FamilyRutland, VT | Federal | $869.8M | 54,984 | $632.1M | $736.1M | 12.08% | $4.3M |
| 5 | 802Barre, VT | State | $507.7M | 41,760 | $389.2M | $440.1M | 12.54% | $2.9M |
| 6 | OneSpringfield, VT | State | $263.6M | 18,216 | $190.9M | $245.4M | 7.79% | $231.8K |
| 7 | Green MountainSouth Burlington, VT | State | $152.0M | 9,140 | $138.4M | $114.8M | 13.70% | $242.9K |
| 8 | Northern LightsSaint Johnsbury, VT | Federal | $42.8M | 4,067 | $29.2M | $36.2M | 14.34% | $196.9K |
| 9 | Members 1stBrattleboro, VT | State | $22.9M | 2,095 | $15.0M | $20.7M | 9.42% | $77.1K |
| 10 | Central Vermont Medical Center,inc.Berlin, VT | State | $12.7M | 1,756 | $3.9M | $9.3M | 25.89% | −$28.3K |
| 11 | Orlex Government EmployeesNewport, VT | State | $6.9M | 1,290 | $5.6M | $6.2M | 10.02% | −$14.5K |
| 12 | Northeast Schools and HospitalNewport, VT | State | $5.6M | 1,001 | $2.9M | $5.1M | 8.87% | $3.8K |
Source: NCUA credit union call report data, quarter ending Jun 30, 2026. Names as filed (the NCUA abbreviates them, usually without "Federal Credit Union"). Net income is year to date. The net worth ratio is net worth as a share of assets; 7% or more is "well capitalized".