TellerScore

Ledyard National Bank (FDIC certificate #33418) is based in Norwich, Vermont. Its Q2 2026 call report shows $1.1B in total assets and $874.4M in deposits and 11 offices across 2 states.

Ledyard National Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 12 banks headquartered in Vermont, it ranks 10th. Problem-loan coverage contributes the most (95/100, 2.7%); capital cushion contributes the least (33/100, 8.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Tier 1 leverage ratio: 8.27%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.31%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.6% · 13.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 63).

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202465
Q1 202565
Q2 202564
Q3 202564
Q4 202565
Q1 202664
Q2 202663
Tier 1 leverage ratio
5.00%7.10%9.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.17%
Q4 20248.55%
Q1 20258.45%
Q2 20258.22%
Q3 20258.05%
Q4 20258.10%
Q1 20268.18%
Q2 20268.27%
Noncurrent loans
0.19%0.25%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.19%
Q4 20240.22%
Q1 20250.20%
Q2 20250.19%
Q3 20250.19%
Q4 20250.19%
Q1 20260.21%
Q2 20260.31%
Return on assets
0.37%0.54%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.40%
Q4 20240.47%
Q1 20250.60%
Q2 20250.62%
Q3 20250.65%
Q4 20250.70%
Q1 20260.66%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$1.1B8.27%0.31%0.71%83.6%
Q1 202664$1.0B8.18%0.21%0.66%77.1%
Q4 202565$1.1B8.10%0.19%0.70%75.5%
Q3 202564$1.0B8.05%0.19%0.65%75.6%
Q2 202564$993.6M8.22%0.19%0.62%76.4%
Q1 202565$974.8M8.45%0.20%0.60%75.6%
Q4 202465$950.1M8.55%0.22%0.47%71.0%
Q3 202467$938.9M9.17%0.19%0.40%63.9%
Q2 202468$907.2M9.21%0.19%0.37%61.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.27%
4th
Total risk-based capital11.92%
31st
Problem loans0.31%
67th
Net charge-offs0.00%
72nd
Return on assets0.71%
15th
Net interest margin2.85%
11th
Efficiency ratio79.2%
8th
Loans to deposits83.6%
59th
Uninsured deposits13.0%
93rd
Loan-loss reserves0.73%
11th
Texas ratio2.7%
62nd

Similar-size banks in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
Union BankBank Morrisville, VT45 out of 100, Below average$1.6B7.8%1.35%vs
Northfield Savings BankBank Northfield, VT68 out of 100, Moderate$1.6B11.0%0.52%vs

Deposit insurance

Is my money safe at Ledyard National Bank?

Yes. Ledyard National Bank is an FDIC-insured institution (FDIC certificate #33418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.0% of deposits ($113.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.92% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Ledyard National Bank lists 8 offices in 8 cities across 2 states. Most locations:

  • Bedford, NH (1)
  • Concord, NH (1)
  • Hanover, NH (1)
  • Lebanon, NH (1)
  • Lyme, NH (1)
  • New London, NH (1)
  • Norwich, VT (1)
  • West Lebanon, NH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Ledyard National Bank
Type
National bank
FDIC certificate #
33418
RSSD ID
1863097
Primary regulator
OCC
Holding company
Ledyard Financial Group Inc
Established
May 22, 1991
Headquarters
320 Main St, Norwich, VT 05055
Employees
147

Quick answers

Ledyard National Bank: common questions

Is Ledyard National Bank FDIC insured?

Yes. Ledyard National Bank is an FDIC-insured institution (FDIC certificate #33418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ledyard National Bank's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ledyard National Bank ever failed?

There is no failure record for FDIC certificate #33418 in the FDIC failed bank list.

How many branches does Ledyard National Bank have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Norwich

InstitutionScoreAssetsCapitalProblem loansCompare
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Claremont Savings BankBank Claremont, NH68 out of 100, Moderate$619.7M12.4%0.45%vs
Northfield Savings BankBank Northfield, VT68 out of 100, Moderate$1.6B11.0%0.52%vs
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
Wells River Savings BankBank Wells River, VT67 out of 100, Moderate$266.9M10.8%0.63%vs