Side-by-side · Q2 2026 data
The National Bank of Middlebury vs Arrow Bank National Association
Metric by metric
| Measure | The National Bank of Middlebury | Arrow Bank National Association |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 49 (stronger) | 43 |
| Loan quality | 95 (stronger) | 92 |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 91 (stronger) | 49 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 57th | 40th |
| Total assets | $553.5M | $4.5B |
| Deposits / shares | $500.2M | $3.7B |
| Capital ratio | 9.86% (stronger) | 9.33% |
| Problem loans | 0.15% (stronger) | 0.24% |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.01% | 1.11% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 94.1% |
| Uninsured deposits | 11.1% (stronger) | 30.3% |
| Offices | 5 | 54 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 20.5% |
The National Bank of Middlebury has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 6 and Arrow Bank National Association on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.