The First National Bank of Orwell is a national bank headquartered in Orwell, Vermont, in business for about 163 years. At the end of Q2 2026 it reported $91.5M in total assets and $80.5M in deposits, with 2 offices.
Based on its Q2 2026 filing, The First National Bank of Orwell scores 59/100, which we describe as moderate. That is higher than only 18% of 546 banks with under $100 million in assets. Among 12 banks headquartered in Vermont, it ranks 11th. Its strongest component is earnings (79/100; 1.49%), and its lowest is loan quality (22/100; 2.33%).
TellerScore · Q2 2026
Scorecard
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 (60 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 56 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 65 |
| Q1 2026 | 69 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.00% |
| Q3 2024 | 11.76% |
| Q4 2024 | 10.97% |
| Q1 2025 | 11.33% |
| Q2 2025 | 11.26% |
| Q3 2025 | 11.46% |
| Q4 2025 | 11.03% |
| Q1 2026 | 11.76% |
| Q2 2026 | 11.42% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.59% |
| Q4 2024 | 2.28% |
| Q1 2025 | 1.98% |
| Q2 2025 | 1.99% |
| Q3 2025 | 2.00% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.44% |
| Q2 2026 | 2.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $91.5M | 11.42% | 2.33% | 1.49% | 83.4% |
| Q1 2026 | 69 | $90.1M | 11.76% | 1.44% | 1.54% | 85.5% |
| Q4 2025 | 65 | $87.6M | 11.03% | 1.29% | 1.34% | 94.4% |
| Q3 2025 | 61 | $90.2M | 11.46% | 2.00% | 1.41% | 89.6% |
| Q2 2025 | 60 | $87.8M | 11.26% | 1.99% | 1.37% | 93.4% |
| Q1 2025 | 60 | $88.0M | 11.33% | 1.98% | 1.29% | 91.0% |
| Q4 2024 | 56 | $87.7M | 10.97% | 2.28% | 1.34% | 90.4% |
| Q3 2024 | 65 | $85.7M | 11.76% | 1.59% | 1.38% | 92.2% |
| Q2 2024 | 64 | $81.3M | 12.00% | 1.76% | 1.44% | 95.2% |
546 peers · Under $100 million in assets
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).
Deposit insurance
Is my money safe at The First National Bank of Orwell?
Yes. The First National Bank of Orwell is an FDIC-insured institution (FDIC certificate #6280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.9% of deposits ($6.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.42%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The First National Bank of Orwell lists 1 office in 1 city. Most locations:
- Orwell, VT (1)
Identity & history
Profile
- Legal name
- The First National Bank of Orwell
- Type
- National bank
- FDIC certificate #
- 6280
- RSSD ID
- 177500
- Primary regulator
- OCC
- Established
- January 1, 1863
- Headquarters
- 441 Main St, Orwell, VT 05760
- Website
- www.fnborwell.com
- Employees
- 15
Quick answers
The First National Bank of Orwell: common questions
Is The First National Bank of Orwell FDIC insured?
Yes. The First National Bank of Orwell is an FDIC-insured institution (FDIC certificate #6280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Orwell's TellerScore?
59 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 The First National Bank of Orwell ever failed?
There is no failure record for FDIC certificate #6280 in the FDIC failed bank list.
How many branches does The First National Bank of Orwell have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Orwell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The National Bank of MiddleburyBank Middlebury, VT | 74 out of 100, Strong | $553.5M | 9.9% | 0.15% | vs |
| Bar Harbor Bank & TrustBank Bar Harbor, ME | 73 out of 100, Strong | $4.7B | 10.5% | 0.32% | vs |
| Eastrise Federal Credit UnionCredit union Williston, VT | 73 out of 100, Strong | $3.2B | 12.3% | 0.60% | vs |
| Heritage Family Federal Credit UnionCredit union Rutland, VT | 71 out of 100, Strong | $869.8M | 12.1% | 0.86% | vs |
| Champlain National BankBank Elizabethtown, NY | 71 out of 100, Strong | $497.1M | 10.9% | 0.25% | vs |
| The Bank of BenningtonBank Bennington, VT | 70 out of 100, Strong | $661.9M | 11.4% | 0.40% | vs |