How Big Is First Stb of Middlebury?
First Stb of Middlebury holds $783M in total assets and $613M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,131st-largest of the 3,960 FDIC-insured banks we track — in the top 29% by size. Those figures come from First Stb of Middlebury's latest FDIC call report (cert #8745); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is First Stb of Middlebury?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Stb of Middlebury Size at a Glance
- Total assets
- $783M
- Total deposits
- $613M
- Domestic deposits
- $613M
- Size class
- community bank
- Rank by assets
- #1,131 of 3,960
- Headquarters
- Middlebury, Indiana
Source: FDIC Call Report data (cert #8745). Figures reflect the latest reported quarter.
With $783M in total assets, First Stb of Middlebury is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,131st-largest of the 3,960 FDIC-insured banks we track, in the top 29% by size. The bank funds those assets largely with $613M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.75% | 100/100 |
| Nonperforming Loan Ratio | 0.11% | 98/100 |
| Liquidity Ratio | 19.17% | 57/100 |
| Return on Assets | 1.67% | 87/100 |
| Total Assets | $0.8B | |
How does First Stb of Middlebury compare?
With a Bank Health Score of 87/100, First Stb of Middlebury sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Indiana, where 73 FDIC-insured banks are headquartered, First Stb of Middlebury ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 15.75% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.11% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Stb of Middlebury's Bank Health Score held roughly steady at 87/100. Tier 1 capital strengthened by 0.38 percentage points to 15.75%.
Frequently Asked Questions
First Stb of Middlebury holds $783M in total assets and $613M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,131st-largest of the 3,960 FDIC-insured banks we track — in the top 29% by size. Those figures come from First Stb of Middlebury's latest FDIC call report (cert #8745); it is a local community institution, with $100 million to $1 billion in assets.
First Stb of Middlebury ranks 1,131st by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 29% by size. Its $783M in assets classify it as a community bank.
First Stb of Middlebury reports $783M in total assets and $613M in total deposits ($613M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First Stb of Middlebury earns a Bank Health Score of 87/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $783M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First Stb of Middlebury (FDIC certificate #8745) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Stb of Middlebury
First Stb of Middlebury holds $783M in total assets and $613M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,131st-largest of the 3,960 FDIC-insured banks we track — in the top 29% by size. Those figures come from First Stb of Middlebury's latest FDIC call report (cert #8745); it is a local community institution, with $100 million to $1 billion in assets.