Call reports 2026
VERMONT STATE BANK — 2026
What VERMONT STATE BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 31,082,000 | 30,974,000 |
| Total loans | 13,756,000 | 14,167,000 |
| Allowance for loan losses | 663,000 | 664,000 |
| Securities available for sale | 7,554,000 | 7,537,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 21,692,000 | 21,017,000 |
| Interest-bearing deposits | 13,386,000 | 12,475,000 |
| Noninterest-bearing deposits | 8,306,000 | 8,542,000 |
| Equity capital | 8,109,000 | 8,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 322,000 | 645,000 |
| Interest expense | 99,000 | 190,000 |
| Net interest income | 223,000 | 455,000 |
| Noninterest income | 2,734,000 | 5,546,000 |
| Noninterest expense | 2,181,000 | 4,606,000 |
| Provision for loan losses | 30,000 | 30,000 |
| Pretax income | 746,000 | 1,365,000 |
| Income tax | 212,000 | 380,000 |
| Net income | 534,000 | 985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 8,212,000 | 8,740,000 |
| Total capital | 8,391,000 | 8,918,000 |
| Risk-weighted assets | 13,906,000 | 13,802,000 |