First National Bank of Orwell
Also written as FNB of Orwell
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Data as of · sourced from FFIEC call reports. How we update
First National Bank of Orwell is an FDIC-insured commercial bank headquartered in Orwell, VT, established in 1863 (FDIC certificate 6280), and it is supervised by the OCC. At Q2 2026 it reported total assets of $91.5M, up 4.3% from Q2 2025, the 12th largest of 12 banks headquartered in Vermont. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6280
- Headquarters
- Orwell, VT
- Established
- 1863
- Total assets, Q2 2026
- $91.5M
- Assets vs Q2 2025
- +4.3%
- Tier 1 leverage ratio, Q2 2026
- 11.42%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 011601142
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank of Orwell call report
- Asset rank in state
- 12th of 12 in Vermont
Problem loans are rising at First National Bank of Orwell. The Orwell, Vermont bank had $92 million in assets at June 30, 2026, up 4.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.33% of loans from 1.99% a year earlier. It carries problem assets equal to 16.4% of the capital and reserves that would absorb them, 11.9 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also shrank its loan book 6.9% over the year, lower than about three-quarters of banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans fell 6.9% and deposits rose 4.2%.
As of June 30, 2026, First National Bank of Orwell reported a return on assets of 1.42%, a nonperforming-loan ratio of 2.33% and a Texas ratio of 16.38%. The figures come from its call report filed with the FFIEC.
First National Bank of Orwell ranks as the smallest of the 12 banks based in Vermont, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $91.5M, loans fell 1.1% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 84.2% of total loans, followed by construction and land development loans at 5.4%. Its 2 offices in the FDIC Summary of Deposits are in Orwell, VT and Shoreham, VT; its Orwell office books 75% of its branch deposits. Judged on its Q2 2026 call report, First National Bank of Orwell meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 441 Main St, Orwell, VT 05760
- County
- Addison
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1863
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $80.5M
- Allowance for credit losses
- $912K
- Net charge-offs (YTD)
- $67K
- Average total assets
- $91.5M
- Average total loans
- $68.1M
- Average interest-bearing deposits
- $58.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6280
- Fed RSSD
- 177500
- Website
- www.fnborwell.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank of Orwell reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First National Bank of Orwell's total assets moved between a low of $78.0M (Q1 2024) and a high of $91.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$91.5M total assets against $87.8M; $81.1M total liabilities against $77.8M.
$67.1M net loans and leases against $72.2M; $80.5M total deposits against $77.3M.
$0 securities against $0; $21.2M cash and balances due against $12.8M.
$1.4M total interest income against $1.4M; $388K total interest expense against $453K.
$989K net interest income against $964K.
$68K total noninterest income against $56K; $649K total noninterest expense against $597K.
$0 provision for credit losses against $25K.
$324K net income against $317K.
1.42% return on assets against 1.44%; 4.58% net interest margin against 4.59%.
11.42% tier 1 leverage ratio against 11.26%.
Inside the full First National Bank of Orwell terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q4 2025) to 1.54% (Q1 2026) and its net interest margin ran from 4.39% (Q1 2025) to 4.89% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.42% | 1.42% | 2.33% | 16.38% | 4.58% |
| Q1 2026 | 11.76% | 1.54% | 1.44% | 11.10% | 4.64% |
| Q4 2025 | 11.03% | 1.08% | 1.29% | 11.01% | 4.89% |
| Q3 2025 | 11.46% | 1.48% | 2.00% | 12.79% | 4.72% |
| Q2 2025 | 11.26% | 1.44% | 1.99% | 13.35% | 4.59% |
| Q1 2025 | 11.33% | 1.28% | 1.98% | 12.99% | 4.39% |
| Q4 2024 | 10.97% | 1.18% | 2.28% | 15.20% | 4.44% |
| Q3 2024 | 11.76% | 1.28% | 1.59% | 10.41% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Orwell | Orwell , VT | 05760 | $60.3M |
| Shoreham Branch | Shoreham , VT | 05770 | $20.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in VT, rank 22 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $33K approved, $33K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of Orwell
What are First National Bank of Orwell's total assets?
As of the Q2 2026 filing, First National Bank of Orwell reported total assets of $91.5 million in its FFIEC call report.
Where is First National Bank of Orwell headquartered?
It is headquartered in Orwell, VT, United States.
When was First National Bank of Orwell founded?
It was established in 1863, per the FDIC institution directory.
Is First National Bank of Orwell FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Orwell?
First National Bank of Orwell's primary federal regulator is the OCC.
How many branches does First National Bank of Orwell operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Orwell's Texas Ratio?
Its Texas Ratio is 16.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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