National Bank of Middlebury: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 4.77 percentage points higher than in Q1 2026, at 16.91%. National Bank of Middlebury has the 1st lowest loan-to-deposit ratio of the 12 banks headquartered in Vermont, at 69.86% as of Q2 2026. National Bank of Middlebury reported 69.86% on loan-to-deposit ratio for Q2 2026, 10.98 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $349.4M |
| Net loans and leases | $348.1M |
| Loans held for sale | $547K |
| Loans to total assets | 63.13% |
| Loan-to-deposit ratio | 69.86% |
| Net loans to equity capital | 7.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.98% |
| Multifamily (5+ residential) | 3.55% |
| Commercial and industrial | 9.58% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 0.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.42% |
| Construction concentration (Tier 1 capital + allowance) | 16.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.43% |
| Interest income on loans | $4.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $333.8M | $479.2M | 21.16% | 10.46% | 4.15% |
| Q4 2023 | $337.0M | $486.8M | 20.62% | 10.55% | 3.84% |
| Q1 2024 | $341.8M | $482.0M | 20.20% | 11.17% | 3.46% |
| Q2 2024 | $346.3M | $475.9M | 19.43% | 11.27% | 3.15% |
| Q3 2024 | $346.7M | $473.5M | 19.32% | 11.03% | 2.82% |
| Q4 2024 | $348.8M | $492.0M | 18.97% | 9.90% | 2.54% |
| Q1 2025 | $348.7M | $503.0M | 19.09% | 9.55% | 2.25% |
| Q2 2025 | $349.6M | $506.5M | 18.62% | 9.39% | 2.02% |
| Q3 2025 | $351.5M | $505.8M | 18.69% | 9.14% | 1.79% |
| Q4 2025 | $351.6M | $505.6M | 18.70% | 9.09% | 1.65% |
| Q1 2026 | $347.5M | $502.9M | 19.67% | 9.38% | 1.50% |
| Q2 2026 | $349.4M | $500.2M | 18.98% | 9.58% | 1.27% |
National Bank of Middlebury loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Middlebury, freeSource: Call Report Schedule RC-C, 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)