Total Assets
$1.1B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Ledyard National Bank — FDIC Bank Health Profile
Norwich, Vermont · Est. 1991. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #33418 New York Region
D
Health grade
Weak
Score: 46/100
Basel III capital ratios — Ledyard National Bank
Total Deposits
$883M
Customer-funded liabilities
Net Loans
$666M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.64% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.64%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$76M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.70%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
9.76%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
78.63%
Income & Expense Breakdown
$47M
Interest Income
$19M
Non-Interest Income
$35M
Non-Interest Expense
FDIC Deposit Insurance
Ledyard National Bank is FDIC-insured (Certificate #33418). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Ledyard National Bank
Ledyard National Bank is an FDIC-insured institution (Certificate #33418) headquartered in Norwich, Vermont, established in 1991. The bank currently holds $1.1B in total assets and $883M in customer deposits, with $666M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Ledyard National Bank reports a Tier 1 Capital Ratio of 11.64% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $76M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.70% and a Return on Equity of 9.76%, with an Efficiency Ratio of 78.63% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (46/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Ledyard National Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Vermont by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Ledyard National Bank (FDIC Cert #33418) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Union Bank Morrisville | $1.6B | D | 0.77% |
| Northfield Savings Bank Northfield | $1.6B | F | 0.40% |
| Community National Bank Derby | $1.3B | B | 1.49% |
| Passumpsic Savings Bank Saint Johnsbury | $942M | C | 0.72% |
| The Bank of Bennington Bennington | $637M | C | 0.89% |
| The National Bank of Middlebury Middlebury | $557M | C | 0.94% |
| Peoples Trust Company of St. Albans Saint Albans | $384M | C | 1.09% |
| Business Bank, The S Burlington | $288M | D | -0.32% |
Frequently Asked Questions
What is Ledyard National Bank's health grade? ▼
Ledyard National Bank receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Ledyard National Bank? ▼
Ledyard National Bank holds $1.1B in total assets and $883M in deposits. It is headquartered in Norwich, Vermont.
Is my money safe at Ledyard National Bank? ▼
Yes. Ledyard National Bank is FDIC-insured (Certificate #33418). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Ledyard National Bank's Tier 1 Capital Ratio? ▼
Ledyard National Bank has a Tier 1 Capital Ratio of 11.64%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Ledyard National Bank? ▼
Ledyard National Bank has an Efficiency Ratio of 78.63%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.