Bank call report · Orwell, VT
First National Bank of Orwell Call Report
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First National Bank of Orwell filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 177 reported line items, schedule by schedule (483 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 177500 |
| FDIC certificate number | 6280 |
| Total assets | $91.5M |
Official Q2 2026 call report PDF (FFIEC) →
First National Bank of Orwell call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (20 items)
About Schedule RC · First National Bank of Orwell balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $91.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $91.5M |
| Total Liabilities and Minority Interest | RCON2948 | $81.1M |
| Total Deposits | RCON2200 | $80.5M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $68.0M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $67.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $60.1M |
| Deposits: Noninterest-bearing | RCON6631 | $20.4M |
| Interest-bearing Balances | RCON0071 | $19.6M |
| Total Equity Capital | RCON3210 | $10.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $10.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $10.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $1.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $912K |
| Other Assets | RCON2160 | $591K |
| Other Liabilities, Total | RCON2930 | $531K |
| Other Real Estate Owned | RCON2150 | $275K |
| Common Stock | RCON3230 | $50K |
| Surplus | RCON3839 | $50K |
Schedule RI: Income Statement (30 items)
About Schedule RI · First National Bank of Orwell income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $2.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Net Interest Income | RIAD4074 | $2.0M |
| Total Noninterest Expense | RIAD4093 | $1.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $840K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $840K |
| Total Interest Expense | RIAD4073 | $780K |
| Salaries and Employee Benefits | RIAD4135 | $727K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $667K |
| Net Income (Loss) | RIAD4340 | $667K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $667K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $573K |
| Other Noninterest Expense | RIAD4092 | $418K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $299K |
| Applicable Income Taxes | RIAD4302 | $173K |
| Total Noninterest Income | RIAD4079 | $148K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $145K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $134K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $129K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $115K |
| Other Noninterest Income | RIADB497 | $92K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $92K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $62K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $47K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $45K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $18K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $9K |
| Interest on Other Securities | RIAD4060 | $4K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 15 |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · First National Bank of Orwell loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $68.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $57.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $25.7M |
| Pledged Loans and Leases | RCONG378 | $18.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $16.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $15.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $9.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $4.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $3.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.0M |
| Commercial and Industrial Loans | RCON1766 | $2.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $1.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $963K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $825K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $454K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $302K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $284K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $247K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $219K |
| Real Estate Loans Secured by Farmland | RCON1420 | $77K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $60K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $60K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $59K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) | RCON5563 | 82 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) | RCON5562 | 35 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) | RCON5577 | 21 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) | RCON5576 | 2 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · First National Bank of Orwell deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $60.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $58.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $29.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $23.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $20.4M |
| Total Transaction Accounts | RCON2215 | $20.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $20.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $20.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $16.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $16.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $6.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $6.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $6.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $5.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $4.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $502K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $363K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $427K |
| Dividends Declared But Not Yet Payable | RCON2932 | $375K |
| Other Expenses Accrued and Unpaid | RCON3646 | $94K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $9K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1K |
Schedule RC-K: Quarterly Averages (10 items)
About Schedule RC-K · First National Bank of Orwell quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $91.5M |
| Quarterly Average of Total Loans | RCON3360 | $68.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $57.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $33.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $18.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $18.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $6.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $4.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $2.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · First National Bank of Orwell derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.1M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $1.8M |
| Performance Standby Letters of Credit | RCON3821 | $25K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · First National Bank of Orwell memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $408K |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $275K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (8 items)
About Schedule RC-N · First National Bank of Orwell past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.5M |
| Additions to Nonaccrual Assets | RCONC410 | $604K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $382K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $382K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $183K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $183K |
| All Other Loans - Nonaccrual | RCON5461 | $91K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · First National Bank of Orwell other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $91.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $80.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $59.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $14.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $10.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $530K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 4,513 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 145 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 32 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · First National Bank of Orwell regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $91.5M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $91.5M |
| Average total consolidated assets | RCOAKW03 | $91.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $10.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $10.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $10.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $10.4M |
| Retained Earnings | RCOAKW00 | $10.3M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $975K |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $950K |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $100K |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $25K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1142 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.0107 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $10.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $10.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $10.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $375K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · First National Bank of Orwell charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on All Other Loans | RIAD4644 | $79K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $79K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $12K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $10K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · First National Bank of Orwell changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $979K |
| Allowance for Loan and Lease Losses | RIAD3123 | $912K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $79K |
First National Bank of Orwell call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the First National Bank of Orwell call report?
The First National Bank of Orwell call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does First National Bank of Orwell file?
First National Bank of Orwell files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the First National Bank of Orwell call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: First National Bank of Orwell has Federal Reserve RSSD ID 177500 and FDIC certificate number 6280. Either one finds its filings on the FFIEC Central Data Repository.
How often does First National Bank of Orwell file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
First National Bank of Orwell financial reports and ratios →
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Regulator records: FDIC BankFind (cert 6280) · FFIEC NIC profile (RSSD 177500)