Is National Bank of Middlebury Safe?
National Bank of Middlebury has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (40/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.38% | 95/100 |
| Nonperforming Loan Ratio | 0.33% | 93/100 |
| Liquidity Ratio | 31.58% | 100/100 |
| Return on Assets | 0.50% | 40/100 |
| Total Assets | $0.6B | |
How does National Bank of Middlebury compare?
With a Bank Health Score of 90/100, National Bank of Middlebury sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Vermont, where 11 FDIC-insured banks are headquartered, National Bank of Middlebury ranks above the state average of 75/100 (Grade B).
The bank's Tier 1 capital ratio of 14.38% 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 0.33% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, National Bank of Middlebury's Bank Health Score held roughly steady at 90/100. Tier 1 capital was essentially flat at 14.38%. Quarter-over-quarter, the score rose by 1.0 points.
National Bank of Middlebury has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (40/100).