Is First Stb of Middlebury Safe?
First Stb of Middlebury has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (57/100).
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%.
First Stb of Middlebury has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (57/100).