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155 North Street
Bennington, VT 05201

The Bank of Bennington is headquartered in Bennington and is the 7th largest bank in the state of Vermont. It is also the 1,896th largest bank in the nation. It was established in 1917 and as of March of 2014, it had grown to 55 employees at 4 locations. The Bank of Bennington's savings rates are 92% higher than the national average, and it has a A health rating.

Reviews (1)

It Works, But Be Careful Going Abroad.

I've had a checking account with a debit card from the Bank of Bennington for a very long time.
I notified them that I was going to Europe, mostly Germany and the Netherlands, in December of 2009. Bless my soul if I wasn't left stranded in Berlin with every ATM in the city denying my debit card!! I called my parents, freaking out about it, and they called the bank. What did they say? "Try more ATMs."

I tried every ATM walking three miles down Ku-damm, a pretty main street in Berlin. Every one denied me. Luckily, I met some really nice people at my youth hostel, and we went out to eat, my card worked as a credit card (approved, not denied, finally) and they paid me back in cash. I did this twice in Berlin.
I went back to Europe on a music tour in July 2010, and was only in Germany for about five days, but the same thing happened. I was prepared for it that time, and had gotten cash from an ATM in Belgium. It seems to be only German ATMs that have a problem with my card, but I didn't appreciate the lack of support from my bank the first time, when I was 17 years old and stranded in a foreign city.

Otherwise, I've had no issues using my account and am very satisfied with service from the Bank of Bennington.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Bank of Bennington had $3.63 million in non-current loans and owned real-estate with $36.69 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Bennington a Texas Ratio of 9.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Bank of Bennington experienced no significant changes from 9.36% as of March 31, 2013 to 9.91% as of March 31, 2014, resulting in a negative change of 5.77%. This indicates that the balance sheet and financial strength for The Bank of Bennington has had no significant changes in recent periods.

Deposit Growth


In the past year, The Bank of Bennington has increased its total deposits by $16.82 million, resulting in 7.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Bank of Bennington has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Bank of Bennington has $346.78 million in assets with $36.69 million in equity, resulting in a capitalization level of 10.58%, which is above average.

Institution Statistics

FDIC Certificate #30350
Year Established1917
Primary RegulatorOCC
Assets and Liabilities
Assets$346.78 million
Loans$274.45 million
Deposits$228.93 million
Equity Capital$33.00 million
Loan Loss Allowance$3.68 million
Unbacked Noncurrent Loans$3.45 million
Real Estate Owned$183,000
Historic Data - March 2013
Assets$325.02 million
Equity Capital$31.12 million
Loan Loss Allowance$4.43 million
Unbacked Noncurrent Loans$3.45 million
Real Estate Owned$159,000
Profit Margin - Quarterly
Net Interest Margin3.11%
Return on Assets0.76%
Return on Equity8.05%
Interest Income$3.21 million

Always verify rates and promotions with the bank or credit union. We are not The Bank of Bennington, we are a rate comparison website and can not provide official rates or promotions.

The Bank of Bennington Savings Account Rates

1.00%-$25kKids' Savers
0.50%--Health Savings Account (HSA)
0.20%$100-Savings Account

The Bank of Bennington Money Market Rates

0.50%$250k-Premier Money Market

The Bank of Bennington Checking Account Rates

0.05%--N.O.W. Checking
0.05%--50+ Free Checking

The Bank of Bennington CD Rates

1.10%$500-5 Year CD
1.00%$500-4 Year CD
0.80%$500-3 Year CD
0.75%$500-2 Year CD
0.50%$100-15 Month Super Saver CD
0.40%$500-1 Year CD
0.30%$500-6 Month CD
0.20%$100-3 Month CD

The Bank of Bennington IRA Rates

1.10%$100-5 Year Fixed IRA
1.00%$100-4 Year Fixed IRA
0.80%$100-3 Year Fixed IRA
0.75%$100-2 Year Fixed IRA
0.30%$100-6 Month Fixed IRA
0.20%$100-3 Month Fixed IRA
0.11%$100-18 Month Variable IRA

The Bank of Bennington Locations
The Bank Of Bennington155 North StreetBennington, VT 5201
Arlington Branch3198 Route 7aArlington, VT 5250
Phyllis Lane Branch32 Phyllis LaneBennington, VT 5201
Manchester Center Branch78 Center Hill RoadManchester Center, VT 5255