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Ledyard National Bank
Norwich, VT · FDIC Certificate #33418 · Chartered 05/2
Total assets
$1.07B
Total deposits
$874.36M
Total equity
$78.99M
Net loans
$731.02M
Branches (offices)
11
Net income (YTD)
$3.76M
Rank: #980 of 4,213 U.S. banks by assets · #4 of 12 in Vermont. Assets changed 7.8% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 9.72% |
| Net interest margin (YTD) | 2.85% |
| Equity to assets | 7.37% |
| Tier 1 leverage ratio | 8.27% |
| Uninsured deposits (share of deposits) | 13.0% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 83.6% |
| Real estate loans (share of loans) | 85.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $623.99M | 85.4% | |
| Commercial & industrial | $92.58M | 12.7% | |
| Consumer / individual | $19.90M | 2.7% | |
| Construction & development | $74.26M | 10.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $732.32M | $570.90M | $4.39M | $59.39M |
| Jun 2023 | $749.20M | $565.84M | $2.72M | $68.37M |
| Jun 2024 | $907.18M | $797.62M | $1.66M | $68.50M |
| Jun 2025 | $993.61M | $817.52M | $3.01M | $69.94M |
| Jun 2026 | $1.07B | $874.36M | $3.76M | $78.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Hampshire | $772.51M | 10 |
| Vermont | $101.86M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $874.36M.
Similar-sized banks
Ixonia Bank ($1.08B) · Midcountry Bank ($1.07B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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