BanksFIRST NATIONAL BANK OF ORWELL

FIRST NATIONAL BANK OF ORWELL

ORWELL, VTMicroEst. Jan. 1, 1863, midnightFDIC #6280RSSD #177500OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF ORWELL is an FDIC-insured commercial bank headquartered in ORWELL, VT, established in Jan. 1, 1863, midnight. As of 2025-12-31, the bank reported total assets of $88M and total deposits of $77M. Profitability stands at 1.12% ROA and 9.71% ROE, with a net interest margin of 5.20%. CET1 capital ratio: 11.59%, well above regulatory minimums. NPL ratio: 1.29% · Texas Ratio: 11.01%. Operates 2 domestic branches.

Assets
$88M
Deposits
$77M
Loans
$74M
Equity
$10M

Profitability

Return on Assets (ROA)1.12%
Return on Equity (ROE)9.71%
Net Interest Margin5.20%
Yield on Assets7.33%
Cost of Funds2.22%

Asset Quality

NPL Ratio1.29%
Net Charge-Off Ratio0.21%
Texas Ratio11.01%
NPA Ratio1.40%
ACL / Loans1.33%

Capital & Liquidity

CET1 Ratio11.59%
Tier 1 Capital11.59%
Total Capital Ratio12.17%
Leverage Ratio11.03%
Loan-to-Deposit95.63%

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