Vermont · Q2 2026
Caledonia County, Vermont
0.0% of Caledonia County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 25%.
Hover or tap a county for its grade.
Banks behind this number
4 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Passumpsic Savings Bank | Saint Johnsbury, VT | $0.9B | Below | — | 50.6% |
| Community National Bank | Derby, VT | $1.2B | Below | — | 24.2% |
| Union Bank | Morrisville, VT | $1.6B | Concentrated | 300%+, growth test not met | 18.3% |
| Community Bank, National Association | Canton, NY | $17B | Below | — | 0.7% |
- Saint Johnsbury, VT$0.9B—50.6% of bank deposits
- Derby, VT$1.2B—24.2% of bank deposits
- Union BankConcentratedMorrisville, VT$1.6B300%+, growth test not met18.3% of bank deposits
- Canton, NY$17B—0.7% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 4 banks under $100B in assets with a branch in Caledonia County are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 25%.
Coverage is 91%: the rest of the deposits in Caledonia County sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.