National Bank of Middlebury
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Data as of · sourced from FFIEC call reports. How we update
National Bank of Middlebury is an FDIC-insured commercial bank headquartered in Middlebury, VT, established in 1831 (FDIC certificate 6275), and it is supervised by the OCC. At Q2 2026 it reported total assets of $553.5M, up 0.2% from Q2 2025, the 7th largest of 12 banks headquartered in Vermont. Its CET1 capital ratio was 17.00% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6275
- Headquarters
- Middlebury, VT
- Established
- 1831
- Total assets, Q2 2026
- $553.5M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 17.00%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 011601087
- Latest call report
- Q2 2026, FFIEC 041 · National Bank of Middlebury call report
- Holding company
- MIDDLEBURY NATIONAL CORPORATION
- Asset rank in state
- 7th of 12 in Vermont
National Bank of Middlebury, based in Middlebury, Vermont, reported $554 million in assets at June 30, 2026. It pays an average of 0.89% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 1.2% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter rose 15% from a year earlier, to $1.4 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $13 million equal 24% of Tier 1 capital, down from 31% a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, National Bank of Middlebury reported a CET1 capital ratio of 17.00%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.13%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Vermont, National Bank of Middlebury is the 7th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $553.5M, loans rose 0.6% and deposits fell 0.5%. 1-4 family residential loans made up 60.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 12.7%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in VT; its Middlebury 3 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, National Bank of Middlebury meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 30 Main St, Middlebury, VT 05753
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 9, 1831
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 85
- Domestic deposits
- $500.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $565.7M
- Average total loans
- $349.0M
- Average interest-bearing deposits
- $414.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6275
- Fed RSSD
- 173306
- Website
- www.nbmvt.com →
- Parent Holding Company
- MIDDLEBURY NATIONAL CORPORATION (RSSD 1136214)
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
From Q3 2023 to Q2 2026, National Bank of Middlebury's total assets ranged from $547.0M (Q1 2025) to $560.8M (Q1 2024), 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
$553.5M total assets against $552.6M; $508.2M total liabilities against $514.3M.
$348.1M net loans and leases against $348.2M; $500.2M total deposits against $506.5M.
$151.0M securities against $151.2M; $14.0M cash and balances due against $14.7M.
$5.8M total interest income against $5.5M; $1.0M total interest expense against $1.3M.
$4.7M net interest income against $4.2M.
$1.2M total noninterest income against $1.2M; $4.3M total noninterest expense against $4.0M.
$3K provision for credit losses against -$19K.
$1.4M net income against $1.2M.
0.98% return on assets against 0.85%; 3.69% net interest margin against 3.25%.
17.00% CET1 capital ratio against 15.56%; 9.86% tier 1 leverage ratio against 9.02%.
Inside the full National Bank of Middlebury terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNational Bank of Middlebury rankings
Its closest position to the top of a national ranking is 587 of 2,134, for CET1 ratio; its furthest is 2,861 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q4 2024) to 1.35% (Q3 2025) and its net interest margin ran from 2.95% (Q4 2024) to 3.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.00% | 0.98% | 0.15% | 1.13% | 3.69% |
| Q1 2026 | 16.87% | 0.99% | 0.01% | 0.11% | 3.53% |
| Q4 2025 | 16.18% | 0.75% | 0.20% | 1.54% | 3.47% |
| Q3 2025 | 15.96% | 1.35% | 0.29% | 2.36% | 3.39% |
| Q2 2025 | 15.56% | 0.85% | 0.19% | 1.65% | 3.25% |
| Q1 2025 | 15.30% | 0.72% | 0.29% | 1.76% | 3.15% |
| Q4 2024 | 15.00% | 0.63% | 0.24% | 2.38% | 2.95% |
| Q3 2024 | 14.76% | 0.84% | 0.23% | 1.35% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 National Bank of Middlebury | Middlebury , VT | 05753 | $267.0M |
| Bristol Branch | Bristol , VT | 05443 | $68.8M |
| Middlebury Route 7 South Branch | Middlebury , VT | 05753 | $57.5M |
| Vergennes Branch | Vergennes , VT | 05491 | $52.7M |
| Brandon Branch | Brandon , VT | 05733 | $37.1M |
| Hinesburg Branch | Hinesburg , VT | 05461 | $17.0M |
| Motor Branch | Middlebury , VT | 05753 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.6% of deposits in VT, rank 10 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 156 applications, 116 loans originated, $35.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $178K approved, $178K 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, 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 National Bank of Middlebury
What are National Bank of Middlebury's total assets?
As of the Q2 2026 filing, National Bank of Middlebury reported total assets of $553.5 million in its FFIEC call report.
Where is National Bank of Middlebury headquartered?
It is headquartered in Middlebury, VT, United States.
When was National Bank of Middlebury founded?
It was established in 1831, per the FDIC institution directory.
Is National Bank of Middlebury FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates National Bank of Middlebury?
National Bank of Middlebury's primary federal regulator is the OCC.
What is National Bank of Middlebury's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.00% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does National Bank of Middlebury operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is National Bank of Middlebury's Texas Ratio?
Its Texas Ratio is 1.13% 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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