First National Bank of Orwell: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.84 percentage points lower than in Q1 2026, at 55.44%. On return on assets, First National Bank of Orwell ranks 3rd highest among the 12 banks headquartered in Vermont, at 1.42% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. First National Bank of Orwell sits 0.43 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.42% |
| Equity capital to assets | 11.42% |
| Tangible equity to tangible assets | 11.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.42% |
| Non-performing assets ratio | 2.10% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 16.90% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 55.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 12.38% |
| Net interest margin | 4.58% |
| Efficiency ratio | 61.25% |
| Yield on earning assets | 6.37% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.49% |
| Core deposits to total deposits | 91.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.00% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.37% | 1.62% | 4.87% | 1.85% | 0.00% |
| Q4 2023 | 11.47% | 1.81% | 5.49% | 1.52% | 0.00% |
| Q1 2024 | 12.15% | 1.42% | 4.66% | 2.36% | 0.00% |
| Q2 2024 | 12.00% | 1.44% | 4.63% | 2.13% | 0.01% |
| Q3 2024 | 11.76% | 1.28% | 4.57% | 1.94% | 0.06% |
| Q4 2024 | 10.97% | 1.18% | 4.44% | 2.37% | 0.20% |
| Q1 2025 | 11.33% | 1.28% | 4.39% | 2.33% | -0.01% |
| Q2 2025 | 11.26% | 1.44% | 4.59% | 2.33% | 0.01% |
| Q3 2025 | 11.46% | 1.48% | 4.72% | 2.34% | -0.01% |
| Q4 2025 | 11.03% | 1.08% | 4.89% | 1.38% | 0.86% |
| Q1 2026 | 11.76% | 1.54% | 4.64% | 1.79% | 0.42% |
| Q2 2026 | 11.42% | 1.42% | 4.58% | 2.42% | -0.04% |
First National Bank of Orwell vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Orwell, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Orwell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6280) · FFIEC NIC profile (RSSD 177500)