bank holding company · RSSD 1023239 · VT
How big is MERCHANTS BANCSHARES, INC.?
MERCHANTS BANCSHARES, INC. (VT, RSSD 1023239) reported consolidated total assets of $2.0B, deposits of $1.5B and a Tier 1 risk-based capital ratio of 13.95% in its FR Y-9C for 2017Q1. That ranks 351 of 668 bank holding companies by assets, 237 of 515 among bank holding companies with $1b-$10b in assets, 1 of 1 bank holding companies in vermont.
What stands out
MERCHANTS BANCSHARES, INC. (VT, RSSD 1023239) reported consolidated total assets of $2.0B, deposits of $1.5B and a Tier 1 risk-based capital ratio of 13.95% in its FR Y-9C for 2017Q1. That ranks 351 of 668 bank holding companies by assets, 237 of 515 among bank holding companies with $1b-$10b in assets, 1 of 1 bank holding companies in vermont. Against its size class: tier 1 risk-based capital ratio 13.95%, above the peer median of 12.57%; tier 1 leverage ratio 8.62%, below the peer median of 9.79%; return on assets 0.71%, below the peer median of 0.92%. At 13.95% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 8.62% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2017Q1; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2017Q1
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2017Q1 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $2.0B | $1.9B | — | $2.2B | record → |
| Total deposits | $1.5B | $1.5B | — | $1.7B | record → |
| Loans and leases | $1.5B | $1.3B | — | $1.5B | record → |
| Net income (year to date) | $3.6M | $4.6M | — | $5.7M | record → |
| Total equity capital | $158.7M | $199.0M | — | $234.2M | record → |
| Equity to assets | 7.83% | 10.16% | — | 10.36% | computed |
| Tier 1 risk-based capital ratio | 13.95% | 12.57% | — | 12.68% | record → |
| Total risk-based capital ratio | 15.07% | 13.96% | — | 14.10% | record → |
| Tier 1 leverage ratio | 8.62% | 9.79% | — | 9.77% | record → |
| Return on assets | 0.71% | 0.92% | — | 0.92% | computed |
Quarter by quarter
123 reports on record, 1986Q3–2017Q1; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2017Q1 | $2.0B | $1.5B | $1.5B | $3.6M | $158.7M | 13.95% | 351 |
| 2016Q4 | $2.1B | $1.5B | $1.5B | $14.9M | $156.5M | 14.04% | 342 |
| 2016Q3 | $2.0B | $1.5B | $1.5B | $11.8M | $158.3M | 14.44% | 345 |
| 2016Q2 | $1.9B | $1.5B | $1.4B | $7.9M | $156.3M | 14.76% | 359 |
| 2016Q1 | $2.0B | $1.5B | $1.4B | $3.5M | $152.6M | 14.71% | 344 |
| 2015Q4 | $2.0B | $1.6B | $1.4B | $12.6M | $148.1M | 14.63% | 338 |
| 2015Q3 | $1.8B | $1.4B | $1.3B | $10.3M | $132.7M | 15.83% | 351 |
| 2015Q2 | $1.7B | $1.3B | $1.2B | $6.5M | $129.0M | 15.56% | 374 |
| 2015Q1 | $1.7B | $1.3B | $1.2B | $3.3M | $128.5M | 15.93% | 368 |
| 2014Q4 | $1.7B | $1.3B | $1.2B | $12.1M | $125.8M | 15.70% | 363 |
| 2014Q3 | $1.6B | $1.3B | $1.2B | $9.6M | $125.8M | 16.04% | 371 |
| 2014Q2 | $1.6B | $1.3B | $1.1B | $6.8M | $125.0M | 15.51% | 374 |
| 2014Q1 | $1.7B | $1.3B | $1.2B | $3.4M | $122.3M | 15.15% | 365 |
| 2013Q4 | $1.7B | $1.3B | $1.2B | $15.1M | $119.6M | 14.87% | 350 |
| 2013Q3 | $1.7B | $1.3B | $1.2B | $11.3M | $117.0M | 14.88% | 362 |
| 2013Q2 | $1.6B | $1.3B | $1.1B | $7.6M | $115.0M | 15.17% | 363 |
| 2013Q1 | $1.7B | $1.3B | $1.1B | $3.6M | $119.2M | 14.86% | 357 |
| 2012Q4 | $1.7B | $1.3B | $1.1B | $15.2M | $118.3M | 14.75% | 354 |
| 2012Q3 | $1.7B | $1.3B | $1.1B | $11.4M | $118.1M | 14.62% | 346 |
| 2012Q2 | $1.6B | $1.2B | $1.0B | $7.3M | $114.1M | 14.61% | 358 |
| 2012Q1 | $1.6B | $1.2B | $1.0B | $3.6M | $112.2M | 14.69% | 350 |
| 2011Q4 | $1.6B | $1.2B | $1.0B | $14.6M | $109.6M | 14.66% | 299 |
| 2011Q3 | $1.6B | $1.2B | $1.0B | $10.9M | $108.0M | 14.56% | 309 |
| 2011Q2 | $1.4B | $1.1B | $943.3M | $6.7M | $104.8M | 14.63% | 343 |
| 2011Q1 | $1.5B | $1.1B | $922.0M | $3.1M | $100.9M | 14.82% | 330 |
| 2010Q4 | $1.5B | $1.1B | $910.7M | $15.5M | $99.4M | 14.85% | 328 |
| 2010Q3 | $1.5B | $1.1B | $906.1M | $12.9M | $99.5M | 14.67% | 328 |
| 2010Q2 | $1.4B | $1.0B | $895.5M | $8.4M | $98.0M | 14.22% | 338 |
| 2010Q1 | $1.4B | $1.0B | $908.4M | $3.8M | $93.9M | 13.76% | 339 |
| 2009Q4 | $1.4B | $1.0B | $918.0M | $12.5M | $91.0M | 13.34% | 336 |
| 2009Q3 | $1.4B | $1.0B | $928.8M | $8.7M | $90.4M | 13.04% | 346 |
| 2009Q2 | $1.4B | $1.0B | $895.6M | $5.0M | $84.8M | 12.34% | 357 |
| 2009Q1 | $1.3B | $976.3M | $892.0M | $2.9M | $84.5M | 11.91% | 362 |
| 2008Q4 | $1.3B | $930.7M | $847.0M | $11.9M | $79.7M | 12.01% | 352 |
| 2008Q3 | $1.3B | $949.4M | $814.4M | $8.9M | $76.9M | 12.23% | 353 |
| 2008Q2 | $1.3B | $945.4M | $773.9M | $5.5M | $73.7M | 12.54% | 358 |
| 2008Q1 | $1.3B | $904.6M | $752.3M | $2.7M | $77.3M | 12.42% | 362 |
| 2007Q4 | $1.2B | $866.9M | $730.9M | $10.9M | $75.3M | 12.77% | 386 |
| 2007Q3 | $1.1B | $866.7M | $738.9M | $7.9M | $72.0M | 12.56% | 408 |
| 2007Q2 | $1.1B | $873.2M | $724.0M | $5.3M | $69.5M | 12.59% | 403 |
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