National Bank of Middlebury: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5393.03 percentage points lower than in Q1 2026, at 165.30%. Within Vermont, National Bank of Middlebury is 4th of 12 on return on assets, 0.98% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. National Bank of Middlebury sits 0.27 points lower, at 0.98% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.00% |
| Tier 1 risk-based capital ratio | 17.00% |
| Total risk-based capital ratio | 17.42% |
| Tier 1 leverage ratio | 9.86% |
| Equity capital to assets | 8.20% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.72% |
| Allowance for credit losses to loans | 0.38% |
| Reserve coverage of non-performing loans | 165.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 12.40% |
| Net interest margin | 3.69% |
| Efficiency ratio | 71.72% |
| Yield on earning assets | 4.50% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.86% |
| Core deposits to total deposits | 94.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.36% |
| Securities to assets | 27.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.36% | 14.36% | 14.80% | 7.95% | 0.31% |
| Q4 2023 | 14.40% | 14.40% | 14.84% | 8.01% | 0.43% |
| Q1 2024 | 14.31% | 14.31% | 14.76% | 8.17% | 0.46% |
| Q2 2024 | 14.38% | 14.38% | 14.82% | 8.24% | 0.48% |
| Q3 2024 | 14.76% | 14.76% | 15.20% | 8.44% | 0.84% |
| Q4 2024 | 15.00% | 15.00% | 15.43% | 8.56% | 0.63% |
| Q1 2025 | 15.30% | 15.30% | 15.73% | 8.88% | 0.72% |
| Q2 2025 | 15.56% | 15.56% | 15.98% | 9.02% | 0.85% |
| Q3 2025 | 15.96% | 15.96% | 16.38% | 9.30% | 1.35% |
| Q4 2025 | 16.18% | 16.18% | 16.60% | 9.35% | 0.75% |
| Q1 2026 | 16.87% | 16.87% | 17.30% | 9.68% | 0.99% |
| Q2 2026 | 17.00% | 17.00% | 17.42% | 9.86% | 0.98% |
National Bank of Middlebury vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Middlebury, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)