Total Assets
$88M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The First National Bank of Orwell — FDIC Bank Health Profile
Orwell, Vermont · Est. 1863. 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 #6280 New York Region
F
Health grade
At Risk
Score: 32/100
Basel III capital ratios — The First National Bank of Orwell
Total Deposits
$77M
Customer-funded liabilities
Net Loans
$73M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$10M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.34%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
11.78%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
59.12%
Income & Expense Breakdown
$6M
Interest Income
$225K
Non-Interest Income
$2M
Non-Interest Expense
FDIC Deposit Insurance
The First National Bank of Orwell is FDIC-insured (Certificate #6280). 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 The First National Bank of Orwell
The First National Bank of Orwell is an FDIC-insured institution (Certificate #6280) headquartered in Orwell, Vermont, established in 1863. The bank currently holds $88M in total assets and $77M in customer deposits, with $73M 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, The First National Bank of Orwell reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $10M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.34% and a Return on Equity of 11.78%, with an Efficiency Ratio of 59.12% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of F (32/100), 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 The First National Bank of Orwell 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 The First National Bank of Orwell (FDIC Cert #6280) — 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% |
| Ledyard National Bank Norwich | $1.1B | D | 0.70% |
| 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% |
Frequently Asked Questions
What is The First National Bank of Orwell's health grade? ▼
The First National Bank of Orwell receives a health grade of F (32/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is The First National Bank of Orwell? ▼
The First National Bank of Orwell holds $88M in total assets and $77M in deposits. It is headquartered in Orwell, Vermont.
Is my money safe at The First National Bank of Orwell? ▼
Yes. The First National Bank of Orwell is FDIC-insured (Certificate #6280). 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 The First National Bank of Orwell's Tier 1 Capital Ratio? ▼
The First National Bank of Orwell has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is The First National Bank of Orwell? ▼
The First National Bank of Orwell has an Efficiency Ratio of 59.12%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. 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.