National Bank of Middlebury vs Ledyard National Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
National Bank of Middlebury has a stronger Bank Health Score of 90/100 (A) compared to Ledyard National Bank at 89/100 (A), a difference of 1 points. National Bank of Middlebury holds a Tier 1 capital ratio of 14.38% and an NPL ratio of 0.33%.
| Metric | National Bank of Middlebury | Ledyard National Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 90/100 (A)* | 89/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.4%* | 13.7% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 31.6% | 38.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 0.5%* | 0.4% |
| Total Assets | $555M | $907M |
| Total Deposits | $476M | $798M |
| Location | Middlebury, Vermont | Norwich, Vermont |
National Bank of Middlebury has a stronger Bank Health Score of 90/100 (A) compared to Ledyard National Bank at 89/100 (A), a difference of 1 points. National Bank of Middlebury holds a Tier 1 capital ratio of 14.38% and an NPL ratio of 0.33%.