FDIC Cert #6280 · Orwell, Vermont · Est. 1863

The First National Bank of Orwell - FDIC Bank Health Profile

A community-scale look at The First National Bank of Orwell's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$88M
Total assets
B
Health grade · Good
1.34%
Return on assets
11.0%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Orwell earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.03% Tier 1, profitable at 1.34% ROA, efficient (59% cost ratio).

#3,836
largest of 4,313 FDIC banks by assets
11th
percentile by asset size, nationally
11.03%
Tier 1 ratio - above the 10% well-capitalized line
66th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 6280 · VT B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2543/4307
  • PHOTO-FINISH Bank of Botetourt · VA
  • TIER1-WELL 11.0% Tier 1
  • TEXAS-CLEAN 8.5% Texas
  • ROA-STRONG 1.34% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: Bank of Botetourt, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Orwell

Lowest and highest poles plus nearest scored peers outside Vermont, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Botetourt · VA · near76/100LCNB National Bank · OH · ne…76/100The First National B… · VT ·…76/100The Merchants Nation… · OH ·…76/100THE VINTON COUNTY NA… · OH ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Orwell · July 2026

Plate reading for The First National Bank of Orwell where failures stay rare

The First National Bank of Orwell (FDIC Cert #6280) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,543 of 4,307. Tier 1 capital prints at 11.03%, clearing the 10% well-capitalized line. The Texas Ratio is 8.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.34%. Balance-sheet scale is $88M, 3,836th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Botetourt (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Orwell

Zero FAILURE resolutions in Vermont since 2000

The First National Bank of Orwell is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST NATIONAL BANK OF VERMONT BRADFORD, VT 1993 → NEW FIRST NB OF VERMONT
  • VALLEY BANK WHITE RIVER JUNCTION, VT 1991 → VERMONT NATIONAL BANK
  • THE POULTNEY NATIONAL BANK POULTNEY, VT 1943

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Vermont banks.

How The First National Bank of Orwell's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
The First National Bank of Orwell's composite health score
Tier 1 Capital Ratio (11.03%) 28/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (8.54%) 16/20
Efficiency Ratio (59.12%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$88M

Total balance-sheet footings

Total Deposits

$77M

Customer-funded liabilities

Net Loans

$73M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.63% 11.03% 12.43%
Basel III capital ratios - The First National Bank of Orwell

Where The First National Bank of Orwell ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Orwell's score of 76/100 falls in the highlighted band.

The First National Bank of Orwell: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 41st percentile higher than 41% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Orwell 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The First National Bank of Orwell's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The First National Bank of Orwell's $88M falls in the highlighted band.

Safety metrics: The First National Bank of Orwell

Tier 1 capital ratio
Well-capitalized 10%

11.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.03%
Texas Ratio
8.54%
Equity Capital
$10M

What these ratios mean →

Earnings posture at The First National Bank of Orwell

Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
11.78%
Efficiency Ratio
59.12%

What these mean →

Income & expense at The First National Bank of Orwell

$6M
Interest Income
$225K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Orwell reports a Texas Ratio of 8.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Orwell on FDIC BankFind →

Top banks in Vermont by total assets

Largest banks headquartered in Vermont
  1. 1
    Union Bank $1.6B

    Morrisville, VT · Grade C

  2. 2
    Northfield Savings Bank $1.6B

    Northfield, VT · Grade C

  3. 3
    Community National Bank $1.3B

    Derby, VT · Grade A

  4. 4
    Ledyard National Bank $1.1B

    Norwich, VT · Grade B

  5. 5
    Passumpsic Savings Bank $942M

    Saint Johnsbury, VT · Grade B

Top 5 banks in Vermont ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($88M here), outside Vermont so the neighborhood is not state containment.

Lowry State Bank $88M · MN Milton Savings Bank $88M · PA First Security State Bank $88M · IA Sunnyside Federal Savings and Loan As… $87M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Orwell (FDIC Cert #6280) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

The First National Bank of Orwell Call Report profile · FDIC Failed Bank List · Vermont FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Vermont

All Vermont banks →
BankAssetsGradeROA
Union BankMorrisville $1.6B C 0.77%
Northfield Savings BankNorthfield $1.6B C 0.40%
Community National BankDerby $1.3B A 1.49%
Ledyard National BankNorwich $1.1B B 0.70%
Passumpsic Savings BankSaint Johnsbury $942M B 0.72%
The Bank of BenningtonBennington $637M A 0.89%
The National Bank of MiddleburyMiddlebury $557M B 0.94%
Peoples Trust Company of St. AlbansSaint Albans $384M A 1.09%