National Bank of Middlebury: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total equity capital rose 2.6% from Q1 2026 to Q2 2026, ending at $45.4M against $44.3M. It was the largest change among the key lines on this page. Among 10 Vermont banks, National Bank of Middlebury sits 3rd from the top on CET1 ratio, 17.00% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. National Bank of Middlebury sits 1.93 points higher, at 17.00% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.00% |
| Tier 1 risk-based capital ratio | 17.00% |
| Total risk-based capital ratio | 17.42% |
| Tier 1 leverage ratio | 9.86% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $55.8M |
| Tier 1 capital | $55.8M |
| Total risk-based capital | $57.1M |
| Total equity capital | $45.4M |
| Risk-weighted assets | $328.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.20% |
| Tangible equity to tangible assets | 8.20% |
| Equity capital to average assets | 8.02% |
| Internal capital growth rate | 10.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $400K |
| Common stock surplus | $1.0M |
| Retained earnings | $54.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.36% | 14.36% | 14.80% | 7.95% | $321.6M |
| Q4 2023 | 14.40% | 14.40% | 14.84% | 8.01% | $323.5M |
| Q1 2024 | 14.31% | 14.31% | 14.76% | 8.17% | $328.6M |
| Q2 2024 | 14.38% | 14.38% | 14.82% | 8.24% | $330.4M |
| Q3 2024 | 14.76% | 14.76% | 15.20% | 8.44% | $328.6M |
| Q4 2024 | 15.00% | 15.00% | 15.43% | 8.56% | $327.9M |
| Q1 2025 | 15.30% | 15.30% | 15.73% | 8.88% | $326.6M |
| Q2 2025 | 15.56% | 15.56% | 15.98% | 9.02% | $327.6M |
| Q3 2025 | 15.96% | 15.96% | 16.38% | 9.30% | $329.9M |
| Q4 2025 | 16.18% | 16.18% | 16.60% | 9.35% | $330.4M |
| Q1 2026 | 16.87% | 16.87% | 17.30% | 9.68% | $323.8M |
| Q2 2026 | 17.00% | 17.00% | 17.42% | 9.86% | $328.0M |
National Bank of Middlebury regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Middlebury, freeSource: Call Report Schedule RC-R, 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 National Bank of Middlebury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6275) · FFIEC NIC profile (RSSD 173306)