Ledyard National Bank
Norwich, VT · Cert 33418 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ledyard Financial Group Inc.
National charter · OCC · 11 branches
Q2 2026
$1.1BAssets
$736.4MLoans
$874.4MDeposits
$79.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating regionally (rank 19 of 176).
- Widest gap: equity / assets trails 95% of banks $1B-$10B in assets operating regionally (rank 167 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.70%
Rank 154 of 176
Net Interest Margin
2.68%
Rank 167 of 176
Efficiency Ratio
79.18%
Rank 166 of 176
Equity / Assets
7.37%
Rank 167 of 176
Non-interest income vs. expense
Unfavorable gap of $18.0M · efficiency ratio beats 6% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.93% | 1.26% | 1.54% | Beats 13% | 154 / 176 | | |
| Return on Equity | 9.51% | 9.26% | 11.89% | 14.46% | Beats 27% | 128 / 176 | | |
| Net Interest Margin | 2.68% | 3.25% | 3.59% | 3.93% | Beats 5% | 167 / 176 | | |
| Efficiency Ratio | 79.18% | 52.79% | 59.55% | 67.66% | Beats 6% | 166 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.30% | 0.64% | 1.32% | Beats 74% | 46 / 176 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.10% | Beats 90% | 19 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 11.15% | 12.72% | 14.15% | Beats 26% | 130 / 176 | | |
| Total Risk-Based Capital Ratio | 11.92% | 11.81% | 13.63% | 15.33% | Beats 27% | 128 / 176 | | |
| Equity / Assets | 7.37% | 9.16% | 10.35% | 11.80% | Beats 5% | 167 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.22% | 80.94% | 89.73% | 97.21% | 34th pctl | 116 / 176 | | |
| Loans / Assets | 68.72% | 69.25% | 75.12% | 80.82% | 22nd pctl | 137 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |