Ledyard National Bank
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Data as of · sourced from FFIEC call reports. How we update
Ledyard National Bank is an FDIC-insured commercial bank headquartered in Norwich, VT, established in 1991 (FDIC certificate 33418), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.07B, up 7.8% from Q2 2025, the 4th largest of 12 banks headquartered in Vermont. Its CET1 capital ratio was 11.19% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33418
- Headquarters
- Norwich, VT
- Established
- 1991
- Total assets, Q2 2026
- $1.07B
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 11.19%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 011701987
- Latest call report
- Q2 2026, FFIEC 041 · Ledyard National Bank call report
- Holding company
- LEDYARD FINANCIAL GROUP, INC.
- Asset rank in state
- 4th of 12 in Vermont
Ledyard National Bank spends more to run itself than most banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 7.8% from a year earlier; it is based in Norwich, Vermont. It spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also funds 8.27% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Loans are outrunning deposits: over the year loans rose 17.0% and deposits rose 7.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 30% of Tier 1 capital, down from 46% a year earlier. Its margin is thin by comparison: it keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Ledyard National Bank reported a CET1 capital ratio of 11.19%, a return on assets of 0.77%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Ledyard National Bank is the 4th largest of the 12 banks headquartered in Vermont. From Q1 2026 to Q2 2026, its total assets rose 2.7% to $1.07B, loans rose 7.5% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.9% of total loans, followed by non-owner-occupied commercial real estate loans at 14.8%. The FDIC Summary of Deposits lists 11 offices for it, in 8 cities across 2 states; its Hanover 3 offices book 53% of its branch deposits. Judged on its Q2 2026 call report, Ledyard National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 320 Main St, Norwich, VT 05055
- County
- Windsor
- Metro Area
- Lebanon-Claremont, NH-VT
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 22, 1991
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 147
- Domestic deposits
- $874.4M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $1.05B
- Average total loans
- $706.5M
- Average interest-bearing deposits
- $661.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 22, 1991
- FDIC Cert
- 33418
- Fed RSSD
- 1863097
- SEC CIK
- 1415716 → filed by LEDYARD FINANCIAL GROUP, INC.
- Website
- www.ledyard.bank →
- Parent Holding Company
- LEDYARD FINANCIAL GROUP, INC. (RSSD 3625123)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ledyard National Bank's total assets ran between $798.9M (Q3 2023) and $1.07B (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
$1.07B total assets against $993.6M; $992.6M total liabilities against $923.7M.
$731.0M net loans and leases against $624.9M; $874.4M total deposits against $817.5M.
$240.8M securities against $262.9M; $33.0M cash and balances due against $40.0M.
$12.5M total interest income against $11.4M; $5.3M total interest expense against $5.5M.
$7.2M net interest income against $5.9M.
$5.3M total noninterest income against $4.7M; $9.9M total noninterest expense against $8.5M.
$271K provision for credit losses against $213K.
$2.0M net income against $1.6M.
0.77% return on assets against 0.63%; 2.97% net interest margin against 2.66%.
11.19% CET1 capital ratio against 11.71%; 8.27% tier 1 leverage ratio against 8.22%.
Inside the full Ledyard National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Ledyard National Bank rankings
Its closest position to the top of a national ranking is 972 of 4,196, for total assets; its furthest is 1,913 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 0.84% (Q4 2025) and its net interest margin ran from 2.37% (Q3 2024) to 2.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.19% | 0.77% | 0.31% | 2.67% | 2.97% |
| Q1 2026 | 11.64% | 0.66% | 0.21% | 1.74% | 2.89% |
| Q4 2025 | 11.64% | 0.84% | 0.19% | 1.53% | 2.82% |
| Q3 2025 | 11.62% | 0.70% | 0.19% | 1.58% | 2.75% |
| Q2 2025 | 11.71% | 0.63% | 0.19% | 1.60% | 2.66% |
| Q1 2025 | 11.76% | 0.60% | 0.20% | 1.65% | 2.70% |
| Q4 2024 | 12.08% | 0.67% | 0.22% | 1.74% | 2.65% |
| Q3 2024 | 13.26% | 0.44% | 0.19% | 1.39% | 2.37% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Hanover Branch | Hanover , NH | 03755 | $467.0M |
| Ledyard National Bank (main office) | Norwich , VT | 05055 | $101.9M |
| New London Branch | New London , NH | 03257 | $84.4M |
| South Main Street Branch | Concord , NH | 03301 | $71.2M |
| West Lebanon Branch | West Lebanon , NH | 03784 | $54.5M |
| Route 120 Branch | Lebanon , NH | 03766 | $52.0M |
| Lyme Branch | Lyme , NH | 03768 | $33.3M |
| Bedford Branch | Bedford , NH | 03110 | $10.2M |
| Concord Pillsbury St Branch | Concord , NH | 03301 | $0 |
| Kendal at Hanover Branch | Hanover , NH | 03755 | $0 |
| Private Banking Branch | Hanover , NH | 03755 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in VT, rank 21 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.4M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Ledyard National Bank
What are Ledyard National Bank's total assets?
As of the Q2 2026 filing, Ledyard National Bank reported total assets of $1.07 billion in its FFIEC call report.
Where is Ledyard National Bank headquartered?
It is headquartered in Norwich, VT, United States.
When was Ledyard National Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Ledyard National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ledyard National Bank?
Ledyard National Bank's primary federal regulator is the OCC.
What is Ledyard National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.19% in its Q2 2026 call report, above regulatory requirements.
How many branches does Ledyard National Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ledyard National Bank's Texas Ratio?
Its Texas Ratio is 2.67% 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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