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Distressed Note Industry
Vermont Commercial Loans
Analyzing commercial loans loan performance across 47 Vermont banks
As of Q3 2025, 47 Vermont banks report commercial loans portfolios totaling $3.9B. Non-performing loans in this category total $13.3M — an average NPL ratio of 0.34% — with $3.9M 30-89 days delinquent, $750K 90+ days delinquent, and $12.5M in nonaccrual status. The most distressed lender in this category is NATIONAL BANK OF MIDDLEBURY (VT) with an NPL ratio of 2.83%.
Total Lenders
47
Total Loan Portfolio
$3.9B
Total NPL
$13.3M
Average NPL %
0.34%
Delinquency Breakdown
30-89 Days
$3.9M
90+ Days
$750K
Nonaccrual
$12.5M
Charge-offs
$314K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Vermont
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NATIONAL BANK OF MIDDLEBURY | VT | $24.5M | $694K | 2.83% |
| WELLS RIVER SAVINGS BANK | VT | $8.5M | $231K | 2.71% |
| WELLS RIVER SAVINGS BANK | VT | $14.4M | $231K | 1.61% |
| BANK OF BENNINGTON, THE | VT | $42.8M | $605K | 1.41% |
| NORTHFIELD SAVINGS BANK | VT | $189.4M | $2.4M | 1.27% |
| COMMUNITY NATIONAL BANK | VT | $131.5M | $1.6M | 1.22% |
| BANK OF BENNINGTON, THE | VT | $94.0M | $951K | 1.01% |
| PASSUMPSIC SAVINGS BANK | VT | $61.4M | $570K | 0.93% |
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