Business Bank, The (FDIC certificate #59298) is based in S Burlington, Vermont. Its Q2 2026 call report shows $352.2M in total assets and $310.8M in deposits and 2 offices across 2 states.
Business Bank, The has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Vermont, it ranks 8th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (7/100, -0.33%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 64 |
| Q4 2024 | 61 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 63 |
| Q4 2025 | 65 |
| Q1 2026 | 68 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.45% |
| Q3 2024 | 10.91% |
| Q4 2024 | 9.77% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.99% |
| Q3 2025 | 9.32% |
| Q4 2025 | 11.36% |
| Q1 2026 | 12.45% |
| Q2 2026 | 12.40% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.25% |
| Q3 2024 | -1.05% |
| Q4 2024 | -0.94% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.06% |
| Q3 2025 | -0.05% |
| Q4 2025 | -0.32% |
| Q1 2026 | -0.15% |
| Q2 2026 | -0.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $352.2M | 12.40% | 0.09% | -0.33% | 75.6% |
| Q1 2026 | 68 | $286.7M | 12.45% | 0.00% | -0.15% | 81.9% |
| Q4 2025 | 65 | $288.1M | 11.36% | 0.00% | -0.32% | 73.4% |
| Q3 2025 | 63 | $307.1M | 9.32% | 0.00% | -0.05% | 56.8% |
| Q2 2025 | 66 | $269.5M | 9.99% | 0.00% | 0.06% | 61.4% |
| Q1 2025 | 64 | $273.6M | 9.26% | 0.00% | 0.02% | 57.4% |
| Q4 2024 | 61 | $261.2M | 9.77% | 0.00% | -0.94% | 57.7% |
| Q3 2024 | 64 | $257.8M | 10.91% | 0.00% | -1.05% | 48.2% |
| Q2 2024 | 73 | $218.5M | 13.45% | 0.00% | -1.25% | 51.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples Trust Company of St. AlbansBank Saint Albans, VT | 74 out of 100, Strong | $395.4M | 11.8% | 0.41% | vs |
| The Brattleboro Savings and Loan AssociationBank Brattleboro, VT | 65 out of 100, Moderate | $296.4M | 10.3% | 0.72% | vs |
| Wells River Savings BankBank Wells River, VT | 67 out of 100, Moderate | $266.9M | 10.8% | 0.63% | vs |
| The National Bank of MiddleburyBank Middlebury, VT | 74 out of 100, Strong | $553.5M | 9.9% | 0.15% | vs |
| The Bank of BenningtonBank Bennington, VT | 70 out of 100, Strong | $661.9M | 11.4% | 0.40% | vs |
| Passumpsic Savings BankBank Saint Johnsbury, VT | 76 out of 100, Strong | $934.5M | 13.1% | 0.71% | vs |
Deposit insurance
Is my money safe at Business Bank, The?
Yes. Business Bank, The is an FDIC-insured institution (FDIC certificate #59298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.9% of deposits ($123.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.70% (benchmark: 10%).
2 locations
Branches
Business Bank, The lists 2 offices in 2 cities across 2 states. Most locations:
- Portsmouth, NH (1)
- S Burlington, VT (1)
Identity & history
Profile
- Legal name
- Business Bank, The
- Former names
- Bank of Burlington
- Type
- State-chartered bank
- FDIC certificate #
- 59298
- RSSD ID
- 5760662
- Primary regulator
- FDIC
- Established
- August 2, 2022
- Headquarters
- 30 Kimball Ave, S Burlington, VT 05403
- Website
- www.thebusinessbank.com
- Employees
- 34
Quick answers
Business Bank, The: common questions
Is Business Bank, The FDIC insured?
Yes. Business Bank, The is an FDIC-insured institution (FDIC certificate #59298). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Business Bank, The's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Business Bank, The ever failed?
There is no failure record for FDIC certificate #59298 in the FDIC failed bank list.
How many branches does Business Bank, The have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near S Burlington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| Plattsburgh City School District Federal Credit UnionCredit union Plattsburgh, NY | 86 out of 100, Very strong | $9.4M | 15.6% | 0.32% | vs |
| Dannemora Federal Credit UnionCredit union Plattsburgh, NY | 85 out of 100, Very strong | $320.3M | 14.6% | 0.51% | vs |
| The North Country Savings BankBank Canton, NY | 78 out of 100, Strong | $373.5M | 14.5% | 0.82% | vs |
| Ufirst Federal Credit UnionCredit union Plattsburgh, NY | 75 out of 100, Strong | $128.6M | 15.4% | 0.92% | vs |
| Peoples Trust Company of St. AlbansBank Saint Albans, VT | 74 out of 100, Strong | $395.4M | 11.8% | 0.41% | vs |