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221 Main Street
Brattleboro, VT 05301

The Brattleboro Savings & Loan is headquartered in Brattleboro and is the 11st largest bank in the state of Vermont. It is also the 3,281st largest bank in the nation. It was established in 1912 and as of June of 2014, it had grown to 43 employees at 3 locations. The Brattleboro Savings & Loan has a B+ health rating.

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Reviews (2)

Declining Customer Service As Bank Changes Community Focus

I have been a long time BS&L customer. It is clear that the customer and community driven focus of the bank has changed since George Haynes left the bank. Customer service is now a nightmare. The tellers are borderline incompetent and good service does not exist. Options for banking locations have dwindled and previous long term staff are apparently not at the bank any longer. Getting a simple question answered results in long hold times-and the answer may be different depending on the person asked. Even things as simple as the condition of the building and bank car have slipped, the building is clearly not being cared for. I can not recommend this bank to anyone. I have begun researching other options as it is clear that the new administration simply does not operate to the same standards that the bank operated at before, and the commitment and quality of the teller staff is just not up to par.

Great Community Bank!

BS&L is a great community bank that gives money to the local economy through loans to local business owners, and charitable contributions to the local non-profits and the arts sector. I am proud to call them my bank!


Data for Q2 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 June 30, 2014 The Brattleboro Savings & Loan had $2.4 million in non-current loans and owned real-estate with $16.4 million in equity and loan loss allowances on hand to cover it. This gives The Brattleboro Savings & Loan a Texas Ratio of 14.62% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Brattleboro Savings & Loan decreased slightly from 19.28% as of June 30, 2013 to 14.62% as of June 30, 2014, resulting in a positive change of 24.18%.This indicates that the balance sheet and financial strength for The Brattleboro Savings & Loan has improved slightly in recent periods.

Deposit Growth


In the past year, The Brattleboro Savings & Loan has increased its total deposits by $1.32 million, resulting in 0.94% 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 Brattleboro Savings & Loan has shown is above average.



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 Brattleboro Savings & Loan has $178.27 million in assets with $16.4 million in equity, resulting in a capitalization level of 9.20%, which is average.

Institution Statistics

FDIC Certificate #28837
Year Established1912
Primary RegulatorFDIC
Assets and Liabilities
Assets$178.27 million
Loans$159.63 million
Deposits$142.52 million
Equity Capital$14.73 million
Loan Loss Allowance$1.67 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$560,000
Historic Data - June 2013
Assets$177.85 million
Equity Capital$14.49 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$1.84 million
Real Estate Owned$1.30 million
Profit Margin - Quarterly
Return on Assets0.14%
Return on Equity1.64%
Interest Income$3.41 million

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The Brattleboro Savings & Loan Savings Account Rates

0.10%$25-Passbook Savings
0.10%--Holiday Club
0.10%$25-Statement Savings

The Brattleboro Savings & Loan Money Market Rates

0.25%$50k-Indexed Money Market

The Brattleboro Savings & Loan Checking Account Rates

1.26%-$25kRewards Checking - Qualifying
0.20%--Capital Access Account
0.10%$1k-Non-Profit Checking
0.10%--Rewards Checking - Non Qualifying
0.10%--Relationship Checking

The Brattleboro Savings & Loan CD Rates

1.21%$500-60 Month CD
0.75%$500-48 Month CD
0.50%$500-24 Month CD
0.30%$500-12 Month CD
0.20%$500-91 Day CD
0.20%$500-6 Month CD

The Brattleboro Savings & Loan IRA Rates

1.21%$500-60 Month IRA
0.75%$500-48 Month IRA
0.50%$500-24 Month IRA
0.30%$500-12 Month IRA
0.20%$500-91 Days IRA
0.20%$500-6 Months IRA

The Brattleboro Savings & Loan Locations
The Brattleboro Savings and Loan Association221 Main StreetBrattleboro, VT 5301
Springfield Branch85 Main StreetSpringfield, VT 5156
West Chesterfield Nh BranchFranklin Pierce HighwayWest Chesterfield, NH 3466