Side-by-side · Q2 2026 data
The National Bank of Middlebury vs Bar Harbor Bank & Trust
Metric by metric
| Measure | The National Bank of Middlebury | Bar Harbor Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 49 | 55 (stronger) |
| Loan quality | 95 (stronger) | 89 |
| Earnings | 60 | 77 (stronger) |
| Funding & liquidity | 91 (stronger) | 62 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 57th | 70th |
| Total assets | $553.5M | $4.7B |
| Deposits / shares | $500.2M | $3.9B |
| Capital ratio | 9.86% | 10.49% (stronger) |
| Problem loans | 0.15% (stronger) | 0.32% |
| Net charge-offs | 0.01% (stronger) | 0.19% |
| Return on assets | 1.01% | 1.42% (stronger) |
| Loans ÷ deposits | 69.6% (stronger) | 93.0% |
| Uninsured deposits | 11.1% (stronger) | 20.1% |
| Offices | 5 | 60 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | 25.5% |
The National Bank of Middlebury has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 5 and Bar Harbor Bank & Trust on 2. 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.
Where both have branches
- Brandon, VT