Total Assets
$88M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$77M
Customer-funded liabilities
Net Loans
$73M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
11.78%
Efficiency Ratio
59.12%
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. It holds $88M in total assets - 3,836th of 4,313 FDIC-insured banks, $77M in customer deposits, and $73M in net loans. Capital-wise, the Tier 1 ratio sits at 11.03%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 8.54%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Orwell is a community-scale institution -- 12th of 12 FDIC-insured banks headquartered in Vermont by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in Vermont by total assets
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.
Other banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
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 B (76/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is The First National Bank of Orwell?▼
The First National Bank of Orwell holds $88M in total assets and $77M in deposits, ranking 3,836th of 4,313 FDIC-insured banks by asset size. It is headquartered in Orwell, Vermont.
Is my money safe at The First National Bank of Orwell?▼
Yes, deposits at The First National Bank of Orwell (Certificate #6280) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
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 11.03%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Orwell?▼
The First National Bank of Orwell has a Texas Ratio of 8.54%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Orwell?▼
The First National Bank of Orwell has an Efficiency Ratio of 59.12%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Orwell's profile as a depositor or analyst.
- The First National Bank of Orwell's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Orwell against other Vermont banks before moving funds. Vermont banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.