Is National Bank of Middlebury Well Capitalized?
National Bank of Middlebury (FDIC cert #6275) reports a Tier 1 capital ratio of 14.38%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — National Bank of Middlebury carries 6.38 percentage points of cushion above the floor.
This page answers a common banking-safety question: Is National Bank of Middlebury Well Capitalized?. 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.
National Bank of Middlebury Capital Position
- Tier 1 capital ratio
- 14.38%
- Regulatory status
- well capitalized
- Well-capitalized floor
- 8.00%
- Cushion vs. floor
- +6.38 pts
- Capital factor score
- 95/100
Source: FDIC Call Report data (cert #6275). Regulatory categories follow federal prompt-corrective-action thresholds.
National Bank of Middlebury's Tier 1 capital ratio of 14.38% sits comfortably above the 8% "well-capitalized" threshold and clears the stricter 10% floor many community banks target — a strong core-equity cushion against loan losses. Tier 1 capital is the loss-absorbing equity that stands between a bank's depositors and its credit risk, which is why regulators weight it so heavily — and why BankHealth assigns it 35% of the composite score (this factor scores 95/100 for National Bank of Middlebury).
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.
Frequently Asked Questions
National Bank of Middlebury (FDIC cert #6275) reports a Tier 1 capital ratio of 14.38%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — National Bank of Middlebury carries 6.38 percentage points of cushion above the floor.
The Tier 1 capital ratio measures a bank's core equity capital as a percentage of its risk-weighted assets. It is the single most important regulatory gauge of whether a bank can absorb losses without failing. Federal regulators consider 8% or higher "well-capitalized," and many community banks target 10%+. National Bank of Middlebury's ratio of 14.38% places it in the "well capitalized" regulatory category.
"Well capitalized" is a federal regulatory status (Tier 1 capital ratio of 8% or more) signaling that a bank holds enough equity to absorb unexpected loan losses. National Bank of Middlebury meets this bar at 14.38%, the strongest of the federal capital categories. For depositors, insured balances (up to $250,000 per ownership category) are protected by the FDIC regardless of a bank's capital status — strong capital primarily reduces the odds of failure in the first place.
National Bank of Middlebury's Bank Health Score of 90/100 is 15.0 points above the Vermont state average of 75/100. 11 FDIC-insured banks are headquartered in Vermont.
Yes. National Bank of Middlebury (FDIC certificate #6275) 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 National Bank of Middlebury
National Bank of Middlebury (FDIC cert #6275) reports a Tier 1 capital ratio of 14.38%, which meets the federal 8% "well-capitalized" threshold and clears the stricter 10% community-bank floor. That puts it in the regulatory "well capitalized" range. Tier 1 capital is a bank's core equity cushion against loan losses — National Bank of Middlebury carries 6.38 percentage points of cushion above the floor.