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Distressed Note Industry
Vermont Agricultural Loans
Analyzing agricultural loans loan performance across 20 Vermont banks
As of Q3 2025, 20 Vermont banks report agricultural loans portfolios totaling $95.6M. Non-performing loans in this category total $1.3M — an average NPL ratio of 1.37% — with $1.6M 30-89 days delinquent, $510K 90+ days delinquent, and $796K in nonaccrual status. The most distressed lender in this category is WELLS RIVER SAVINGS BANK (VT) with an NPL ratio of 41.69%.
Total Lenders
20
Total Loan Portfolio
$95.6M
Total NPL
$1.3M
Average NPL %
1.37%
Delinquency Breakdown
30-89 Days
$1.6M
90+ Days
$510K
Nonaccrual
$796K
Charge-offs
$0
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Vermont
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| WELLS RIVER SAVINGS BANK | VT | $331K | $138K | 41.69% |
| WELLS RIVER SAVINGS BANK | VT | $331K | $138K | 41.69% |
| UNION BANK | VT | $1.8M | $255K | 14.52% |
| UNION BANK | VT | $1.8M | $255K | 14.52% |
| PEOPLES TRUST COMPANY OF ST. ALBANS | VT | $18.2M | $260K | 1.43% |
| PEOPLES TRUST COMPANY OF ST. ALBANS | VT | $18.2M | $260K | 1.43% |
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