Ledyard National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ledyard National Bank of Norwich, VT against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.77% | 1.46% | -0.69% | 18th bottom |
| ROAE | 10.39% | 12.69% | -2.30% | 35th below |
| Net Interest Margin | 2.97% | 3.85% | -0.88% | 14th bottom |
| Efficiency Ratio | 77.25% | 57.39% | +19.86% | 10th bottom |
| PPNR / Avg Assets | 1.00% | 1.88% | -0.88% | 15th bottom |
| Yield on Earning Assets | 5.11% | 5.72% | -0.61% | 25th below |
| Cost of Funds | 2.23% | 2.02% | +0.21% | 35th below |
| Net Interest Spread | 2.32% | 3.18% | -0.86% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 1.00% | -0.69% | 72nd above |
| NPA / Total Assets | 0.21% | 0.76% | -0.55% | 75th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 74th above |
| ACL / Total Loans | 0.73% | 1.31% | -0.58% | 10th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 239.28% | 564.50% | -325.22% | 61st above |
| Texas Ratio | 2.67% | 7.39% | -4.72% | 70th above |
| Provision / NCO | 6230.77% | 615.79% | +5614.98% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.19% | 17.34% | -6.15% | 13th bottom |
| Tier 1 Ratio | 11.19% | 17.37% | -6.18% | 12th bottom |
| Total Capital Ratio | 11.92% | 18.42% | -6.50% | 8th bottom |
| Leverage Ratio | 8.27% | 11.44% | -3.17% | 3rd bottom |
| Equity / Assets | 7.37% | 11.34% | -3.97% | 4th bottom |
| TCE / Tangible Assets | 7.37% | 10.50% | -3.13% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.22% | 86.95% | -2.73% | 60th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.76% | 85.55% | +2.21% | 45th below |
| Wholesale Funding Ratio | 9.85% | 5.70% | +4.15% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.84% | 9.68% | -1.84% | 67th above |
| Loan Growth (Y/Y) | 17.01% | 8.05% | +8.96% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.95% | 7.88% | -0.93% | 62nd above |
See Ledyard National Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ledyard National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ledyard National Bank profile, how to read a UBPR, or how this data updates.