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Distressed Note Industry
Vermont Consumer Loans
Analyzing consumer loans loan performance across 20 Vermont banks
As of Q2 2025, 20 Vermont banks report consumer loans portfolios totaling $80.3M. Non-performing loans in this category total $228K — an average NPL ratio of 0.28% — with $876K 30-89 days delinquent, $0 90+ days delinquent, and $228K in nonaccrual status. The most distressed lender in this category is PASSUMPSIC SAVINGS BANK (VT) with an NPL ratio of 0.76%.
Total Lenders
20
Total Loan Portfolio
$80.3M
Total NPL
$228K
Average NPL %
0.28%
Delinquency Breakdown
30-89 Days
$876K
90+ Days
$0
Nonaccrual
$228K
Charge-offs
$254K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Vermont
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PASSUMPSIC SAVINGS BANK | VT | $12.7M | $97K | 0.76% |
| PASSUMPSIC SAVINGS BANK | VT | $12.7M | $97K | 0.76% |
| NATIONAL BANK OF MIDDLEBURY | VT | $6.2M | $12K | 0.19% |
| NATIONAL BANK OF MIDDLEBURY | VT | $6.2M | $12K | 0.19% |
| WELLS RIVER SAVINGS BANK | VT | $11.6M | $5K | 0.04% |
| WELLS RIVER SAVINGS BANK | VT | $11.6M | $5K | 0.04% |
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