Vermont · Q2 2026
Chittenden County, Vermont
Banks under $100B in assets hold 22% of deposits in Chittenden County. Below 25%, we do not rate a county: CRE exposure here is concentrated in national banks and is not geographically attributable by deposit.
15% of Chittenden County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Hover or tap a county for its grade.
Banks behind this number
7 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Business Bank, The | S Burlington, VT | $0.4B | Above threshold | C2 | 100.0% |
| Northfield Savings Bank | Northfield, VT | $1.6B | Below | — | 29.2% |
| Union Bank | Morrisville, VT | $1.6B | Concentrated | 300%+, growth test not met | 6.4% |
| Mascoma Bank | Lebanon, NH | $3.0B | Below | — | 5.8% |
| Community Bank, National Association | Canton, NY | $17B | Below | — | 4.3% |
| The National Bank of Middlebury | Middlebury, VT | $0.6B | Below | — | 3.9% |
| NBT Bank, National Association | Norwich, NY | $16B | Below | — | 1.1% |
- Business Bank, TheAbove thresholdS Burlington, VT$0.4BC2100.0% of bank deposits
- Northfield, VT$1.6B—29.2% of bank deposits
- Union BankConcentratedMorrisville, VT$1.6B300%+, growth test not met6.4% of bank deposits
- Mascoma BankBelowLebanon, NH$3.0B—5.8% of bank deposits
- Canton, NY$17B—4.3% of bank deposits
- Middlebury, VT$0.6B—3.9% of bank deposits
- Norwich, NY$16B—1.1% 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
1 of the 7 banks under $100B in assets with a branch in Chittenden County is above a regulatory CRE concentration threshold, and it holds 15% of the county deposits this report covers. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 20%.
Coverage is 22%: the rest of the deposits in Chittenden 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.