Vitals
  • Total Assets
    936.5M 5.1 %
  • Total Deposits
    785.3M 3.7 %
  • Total Net Loans
    763.0M 9.0 %
  • Net Income
    7.7M -12.5 %
  • Book Value
    101.6M 3.9 %
  • Book Value x2
    203.1M 3.9 %
  • Book Value x3
    304.7M 3.9 %
ROAA

.837

ROAE

7.711

Efficiency Ratio

68.54

Net Interest Margin

3.689

Balance Sheet Highlights
Financial Highlights Salisbury Bank And Trust Company All Insured Commercial Banks in Connecticut
Balance Sheet $(000)
Total Assets 936,531 4,645,023
Total Net Loans 763,028 3,293,746
Total Deposits 785,330 3,498,094
Total Equity 101,567 521,516
Profitability
Net Income 7,691 34,827
Return on Average Assets .837 .499
Return on Average Equity 7.711 4.838
Net Interest Margin 3.689 3.152
Efficiency Ratio 68.54 76.429
Noninterest Income/Revenue 16.208 22.886
Balance Sheet Ratios
Loan-to-Deposit 97.16 92.827
Securities/Assets .085 .192
Total Equity/Total Assets .108 .112
Tangible Equity/Tangible Assets .093 .077
Capital Adequacy
Tier 1 Common Capital 87,813 381,902
Tier 1 Capital 87,813 382,325
Tier 2 Capital 6,275 55,585
Total Capital 94,088 437,910
Total Risk Weighted Assets 703,199 3,413,925
Leverage Ratio 9.55 9.501
Common Equity Tier 1 Capital Ratio 12.49 13.688
Tier 1 Capital Ratio 12.49 13.8
Total Capital Ratio 13.38 14.903

Timeline for Salisbury Bank And Trust Company

Riverside Bank

Acquisition: Salisbury Bank And Trust Company acquired a new subsidiary, Riverside Bank, 9 years

View Profile Dec 06 2014

The Canaan National Bank

Acquisition: Salisbury Bank And Trust Company acquired a new subsidiary, The Canaan National Bank, 19 years

View Profile Sep 11 2004

Cnb Insurance Agency, Inc.

Cnb Insurance Agency, Inc. became a new subsidiary organization for Salisbury Bank And Trust Company.

View Profile Sep 11 2004

Sbt Mortgage Service Corporation

Sbt Mortgage Service Corporation became a new subsidiary organization for Salisbury Bank And Trust Company.

View Profile Apr 15 2004

Salisbury Bancorp, Inc.

Salisbury Bancorp, Inc. became a new parent organization for Salisbury Bank And Trust Company.

View Profile Aug 24 1998

Want to see more?

Complete timeline for Salisbury Bank And Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Riverside Bank Seller 231,565 Acquisition Discontinued 12/6/2014
The Canaan National Bank Seller 105,608 Acquisition Discontinued 9/11/2004
Relationships Role Relationship Start Relationship End
Salisbury Bancorp, Inc. Parent 8/24/1998
Sbt Realty, Inc. Subsidary 6/30/2007
Sbt Mortgage Service Corporation Subsidary 6/30/2007
Sbt Realty, Inc. Subsidary 8/24/1998 6/29/2007
Sbt Mortgage Service Corporation Subsidary 4/15/2004 6/29/2007
Cnb Insurance Agency, Inc. Subsidary 9/11/2004 4/5/2005
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