TellerScore

The National Bank of Middlebury is a national bank headquartered in Middlebury, Vermont, in business for about 195 years. At the end of Q2 2026 it reported $553.5M in total assets and $500.2M in deposits, with 7 offices.

Based on its Q2 2026 filing, The National Bank of Middlebury scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Vermont, it ranks 2nd. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (49/100; 9.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.86%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 69.6% · 11.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.13%

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

From Q2 2025 to Q2 2026, the score rose 5 points (69 → 74), mostly because the capital cushion component improved by 9 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202465
Q4 202466
Q1 202567
Q2 202569
Q3 202571
Q4 202571
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%7.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.24%
Q3 20248.44%
Q4 20248.56%
Q1 20258.88%
Q2 20259.02%
Q3 20259.30%
Q4 20259.35%
Q1 20269.68%
Q2 20269.86%
Noncurrent loans
0.01%0.17%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.23%
Q4 20240.24%
Q1 20250.29%
Q2 20250.19%
Q3 20250.29%
Q4 20250.20%
Q1 20260.01%
Q2 20260.15%
Return on assets
0.48%0.75%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.61%
Q4 20240.62%
Q1 20250.74%
Q2 20250.81%
Q3 20251.00%
Q4 20250.94%
Q1 20261.01%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$553.5M9.86%0.15%1.01%69.6%
Q1 202675$555.2M9.68%0.01%1.01%68.8%
Q4 202571$557.0M9.35%0.20%0.94%69.3%
Q3 202571$555.4M9.30%0.29%1.00%69.2%
Q2 202569$552.6M9.02%0.19%0.81%68.8%
Q1 202567$547.0M8.88%0.29%0.74%69.1%
Q4 202466$547.8M8.56%0.24%0.62%70.6%
Q3 202465$558.8M8.44%0.23%0.61%72.9%
Q2 202462$555.3M8.24%0.33%0.48%72.5%

2,650 peers · $100 million – $1 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 ratio9.86%
28th
Total risk-based capital17.42%
79th
Problem loans0.15%
69th
Net charge-offs0.01%
48th
Return on assets1.01%
34th
Net interest margin3.64%
34th
Efficiency ratio72.3%
25th
Loans to deposits69.6%
70th
Uninsured deposits11.1%
92nd
Loan-loss reserves0.38%
2nd
Texas ratio1.1%
67th

Similar-size banks in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of BenningtonBank Bennington, VT70 out of 100, Strong$661.9M11.4%0.40%vs
Peoples Trust Company of St. AlbansBank Saint Albans, VT74 out of 100, Strong$395.4M11.8%0.41%vs
Business Bank, TheBank S Burlington, VT66 out of 100, Moderate$352.2M12.4%0.09%vs
The Brattleboro Savings and Loan AssociationBank Brattleboro, VT65 out of 100, Moderate$296.4M10.3%0.72%vs
Wells River Savings BankBank Wells River, VT67 out of 100, Moderate$266.9M10.8%0.63%vs
Passumpsic Savings BankBank Saint Johnsbury, VT76 out of 100, Strong$934.5M13.1%0.71%vs

Deposit insurance

Is my money safe at The National Bank of Middlebury?

Yes. The National Bank of Middlebury is an FDIC-insured institution (FDIC certificate #6275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.1% of deposits ($55.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.86%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.42% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The National Bank of Middlebury lists 5 offices in 4 cities. Most locations:

  • Middlebury, VT (2)
  • Brandon, VT (1)
  • Bristol, VT (1)
  • Vergennes, VT (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The National Bank of Middlebury reported 151 home-loan applications under HMDA (LEI 5493004R22HRZXTXSR64): 116 originated ($35,730,000 total), 8 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The National Bank of Middlebury
Type
National bank
FDIC certificate #
6275
RSSD ID
173306
Primary regulator
OCC
Holding company
Middlebury National Corp
Established
November 9, 1831
Headquarters
30 Main St, Middlebury, VT 05753
Employees
85

Quick answers

The National Bank of Middlebury: common questions

Is The National Bank of Middlebury FDIC insured?

Yes. The National Bank of Middlebury is an FDIC-insured institution (FDIC certificate #6275). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The National Bank of Middlebury's TellerScore?

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

Has The National Bank of Middlebury ever failed?

There is no failure record for FDIC certificate #6275 in the FDIC failed bank list.

How many branches does The National Bank of Middlebury have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Middlebury

InstitutionScoreAssetsCapitalProblem loansCompare
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Vermont Federal Credit UnionCredit union So Burlington, VT69 out of 100, Moderate$1.1B10.8%0.47%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
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs