National Bank of Middlebury: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks National Bank of Middlebury of Middlebury, VT against its peer group of 2672 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 | 0.98% | 1.34% | -0.36% | 32nd below |
| ROAE Behind the peer average, ahead of the median peer. | 12.40% | 13.31% | -0.91% | 50th above |
| Net Interest Margin | 3.69% | 3.93% | -0.24% | 36th below |
| Efficiency Ratio | 71.72% | 61.13% | +10.59% | 25th below |
| PPNR / Avg Assets | 1.14% | 1.68% | -0.54% | 26th below |
| Yield on Earning Assets | 4.50% | 5.67% | -1.17% | 9th bottom |
| Cost of Funds | 0.89% | 1.88% | -0.99% | 94th top |
| Net Interest Spread | 3.56% | 3.32% | +0.24% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 0.94% | -0.71% | 62nd above |
| NPA / Total Assets | 0.15% | 0.70% | -0.55% | 65th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 0.38% | 1.28% | -0.90% | 1st bottom |
| ACL / NPLs (Coverage) | 165.30% | 1539.48% | -1374.18% | 43rd below |
| Texas Ratio | 1.72% | 7.33% | -5.61% | 65th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 233.33% | 1396.44% | -1163.11% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.00% | 19.50% | -2.50% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.00% | 19.54% | -2.54% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.42% | 20.62% | -3.20% | 59th above |
| Leverage Ratio | 9.86% | 12.14% | -2.28% | 28th below |
| Equity / Assets | 8.20% | 11.38% | -3.18% | 16th bottom |
| TCE / Tangible Assets | 8.20% | 11.09% | -2.89% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 69.86% | 80.64% | -10.78% | 70th above |
| Core Deposit Ratio | 94.72% | 86.86% | +7.86% | 83rd top |
| Wholesale Funding Ratio | 0.41% | 5.04% | -4.63% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.17% | 6.86% | -6.69% | 20th bottom |
| Loan Growth (Y/Y) | -0.03% | 7.91% | -7.94% | 22nd bottom |
| Deposit Growth (Y/Y) | -1.24% | 6.29% | -7.53% | 17th bottom |
See National Bank of Middlebury's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock National Bank of Middlebury, 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 National Bank of Middlebury profile, how to read a UBPR, or how this data updates.