NATIONAL BANK OF MIDDLEBURY

MIDDLEBURY, VT | Medium | Est. Nov. 9, 1831, midnight | FDIC #6275 | RSSD #173306 | OCC
Latest Report: 2025-12-31

NATIONAL BANK OF MIDDLEBURY is amn medium FDIC-insured commercial bank headquartered in MIDDLEBURY, VT, established in Nov. 9, 1831, midnight. As of 2025-12-31, the bank reported total assets of $557M and total deposits of $506M. Profitability stands at 0.78% ROA and 10.07% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 16.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 1.38%. FDIC Certificate #6275.

Assets

$557M

Deposits

$506M

Loans

$352M

Equity

$44M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 10.07%
Net Interest Margin (NIM) 3.51%
Yield on Assets 4.48%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.38%
NPA Ratio 0.11%
ACL / Loans 0.37%

Capital & Liquidity

CET1 Ratio 16.19%
Tier 1 Capital 16.19%
Total Capital Ratio 16.60%
Leverage Ratio 9.35%
Loan-to-Deposit 69.54%

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