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The First National Bank Of Orwell
Orwell, VT · FDIC Certificate #6280 · Chartered 01/0
Total assets
$91.50M
Total deposits
$80.53M
Total equity
$10.45M
Net loans
$67.13M
Branches (offices)
2
Net income (YTD)
$667.00K
Rank: #3,737 of 4,213 U.S. banks by assets · #12 of 12 in Vermont. Assets changed 4.3% and deposits 4.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 12.87% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 11.42% |
| Tier 1 leverage ratio | 11.42% |
| Uninsured deposits (share of deposits) | 7.9% |
| Noncurrent loans (share of loans) | 2.33% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 83.4% |
| Real estate loans (share of loans) | 91.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.72M | 91.9% | |
| Commercial & industrial | $2.78M | 4.1% | |
| Consumer / individual | $1.04M | 1.6% | |
| Construction & development | $3.66M | 5.5% | |
| Agricultural | $963.00K | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $86.24M | $77.59M | $580.00K | $8.21M |
| Jun 2023 | $83.29M | $73.69M | $816.00K | $9.05M |
| Jun 2024 | $81.27M | $71.12M | $570.00K | $9.57M |
| Jun 2025 | $87.77M | $77.26M | $600.00K | $9.95M |
| Jun 2026 | $91.50M | $80.53M | $667.00K | $10.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $80.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $80.53M.
Similar-sized banks
Logan State Bank ($92.18M) · Mason City National Bank ($91.42M)
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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