FDIC Cert #6275 · Middlebury, Vermont · Est. 1831

The National Bank of Middlebury - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$557M
Total assets
B
Health grade · Good
0.94%
Return on assets
16.2%
Tier 1 capital

Data updated July 2026

The verdict

The National Bank of Middlebury earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.19% Tier 1, 0.94% ROA, 74% efficiency ratio.

#1,658
largest of 4,313 FDIC banks by assets
62nd
percentile by asset size, nationally
16.19%
Tier 1 ratio - above the 10% well-capitalized line
39th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 6275 · VT B · 78/100

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

  • GRADE-B B (78/100)
  • MID-PACK #2187/4307
  • PHOTO-FINISH First State Bank · IA
  • TIER1-WELL 16.2% Tier 1
  • TEXAS-CLEAN 1.5% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: First State Bank, IA (±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 National Bank of Middlebury

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

Morgan Stanley Bank,… · UT ·…100/100Extraco Banks, Natio… · TX ·…78/100Fannin Bank · TX · near78/100First State Bank · IA · near78/100The First National B… · WV ·…78/100The National Bank of… · VT ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The National Bank of Middlebury · July 2026

Plate reading for The National Bank of Middlebury where failures stay rare

The National Bank of Middlebury (FDIC Cert #6275) carries a PlainBankData health grade of B at 78/100, 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 #2,187 of 4,307. Tier 1 capital prints at 16.19%, clearing the 10% well-capitalized line. The Texas Ratio is 1.54%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $557M, 1,658th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (IA), 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 National Bank of Middlebury

Zero FAILURE resolutions in Vermont since 2000

The National Bank of Middlebury 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 National Bank of Middlebury's 78/100 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 avg77/10078/100
The National Bank of Middlebury's composite health score
Tier 1 Capital Ratio (16.19%) 40/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (1.54%) 20/20
Efficiency Ratio (73.65%) 4/15

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

Balance sheet at a glance

Total Assets

$557M

Total balance-sheet footings

Total Deposits

$506M

Customer-funded liabilities

Net Loans

$350M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.79% 16.19% 17.59%
Basel III capital ratios - The National Bank of Middlebury

Where The National Bank of Middlebury ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Bank of Middlebury's score of 78/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% 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 National Bank of Middlebury 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 National Bank of Middlebury'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 National Bank of Middlebury's $557M falls in the highlighted band.

Safety metrics: The National Bank of Middlebury

Tier 1 capital ratio
Well-capitalized 10%

16.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.19%
Texas Ratio
1.54%
Equity Capital
$44M

What these ratios mean →

Profitability metrics: The National Bank of Middlebury

Return on Assets (ROA)
39th percentile nationally
0.94%
Return on Equity (ROE)
13.45%
Efficiency Ratio
73.65%

What these mean →

Income & expense at The National Bank of Middlebury

$22M
Interest Income
$5M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Bank of Middlebury reports a Texas Ratio of 1.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The National Bank of Middlebury 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 ($557M here), outside Vermont so the neighborhood is not state containment.

RVR Bank $557M · NE Commercial Capital Bank $556M · LA The Peoples Bank $556M · KS First Security Bank and Trust Company $558M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Bank of Middlebury (FDIC Cert #6275) - 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 National Bank of Middlebury 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%
Peoples Trust Company of St. AlbansSaint Albans $384M A 1.09%
Business Bank, TheS Burlington $288M C -0.32%