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The National Bank Of Middlebury
Middlebury, VT · FDIC Certificate #6275 · Chartered 11/0
Total assets
$553.55M
Total deposits
$500.19M
Total equity
$45.39M
Net loans
$348.12M
Branches (offices)
7
Net income (YTD)
$2.79M
Rank: #1,660 of 4,213 U.S. banks by assets · #7 of 12 in Vermont. Assets changed 0.2% and deposits -1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 12.55% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 8.20% |
| Tier 1 leverage ratio | 9.86% |
| Uninsured deposits (share of deposits) | 11.1% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 69.6% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $301.16M | 86.5% | |
| Commercial & industrial | $33.49M | 9.6% | |
| Consumer / individual | $4.43M | 1.3% | |
| Construction & development | $9.65M | 2.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $532.83M | $476.56M | $1.50M | $27.66M |
| Jun 2023 | $549.19M | $469.80M | $1.30M | $27.29M |
| Jun 2024 | $555.32M | $475.95M | $1.35M | $30.53M |
| Jun 2025 | $552.61M | $506.46M | $2.22M | $38.29M |
| Jun 2026 | $553.55M | $500.19M | $2.79M | $45.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $500.19M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $500.19M.
Similar-sized banks
Community State Bank ($553.57M) · Commercial Bank ($552.69M)
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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