The National Bank of Middlebury

BankMiddlebury, Vermont
www.nbmvt.com

Total Assets

$557.0M

Total Deposits

$505.6M

Branches

7

Established

1831

TFS Health Grade

$
C

73.8 / 100

Average financial health

How we grade

The National Bank of Middlebury is a bank headquartered in Middlebury, Vermont, established in 1831. With $557.0M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.35%(8%)
Total Capital Ratio
16.60%(10%)
Non-Performing Loan Ratio
0.20%

Profitability

Return on Assets (ROA)
0.94%(1%)
Return on Equity (ROE)
13.45%(10%)
Net Interest Margin
3.36%
Efficiency Ratio
73.65%(60%)

Lending & Liquidity

Total Loans
$351.6M
Loan-to-Deposit Ratio
69.29%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+1.67%
Deposit Growth (YoY)
+2.77%
Net Income
$5.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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