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First National Bank of Orwell

Orwell, VT · Cert 6280

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Orwell

Orwell, VT · Cert 6280

National charter · OCC · 2 branches

Q2 2026

$91.5MAssets
$68.0MLoans
$80.5MDeposits
$10.4MEquity
Loan mix
94%RE $62.8M4%C&I $2.8M2%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $60.1M25%Noninterest $20.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.49%, up 12 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 2.33% of loans (+34 bps YoY), with net charge-offs at 0.20%.
  • Capital: tier 1 leverage ratio of 11.42%, up 16 bps from a year ago.
  • Funding: loans stand at 84.49% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.49%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+3 bps YoY

Efficiency Ratio (YTD, annualized)

60.26%+3 bps YoY

Tier 1 Leverage Ratio

11.42%+16 bps YoY

NIM

6.00%Q2 ’246.33%Q2 ’256.00%Q2 ’26-3%+1%

Non-interest income vs. expense

2.85%Q2 ’242.72%Q2 ’252.78%Q2 ’26-4%0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.34%1.29%1.37%1.41%1.34%1.54%1.49%+12 bps
Return on Equity11.61%11.41%11.47%12.13%12.45%11.78%13.29%12.87%+74 bps
Net Interest Margin4.23%4.05%4.17%4.27%4.29%4.29%4.38%4.30%+3 bps
Efficiency Ratio60.75%61.97%62.01%60.23%58.60%59.12%59.13%60.26%+3 bps
Non-Interest Burden2.47%2.41%2.50%2.47%2.42%2.44%2.44%2.46%-1 bps
Growth
Asset Growth (YoY)5.67%11.20%12.81%8.00%5.21%-0.05%2.39%4.25%-375 bps
Loan Growth (YoY)5.98%4.34%6.54%6.50%2.42%3.79%-4.03%-6.92%-1,342 bps
Deposit Growth (YoY)5.78%12.34%14.10%8.62%5.33%-0.61%2.16%4.23%-439 bps
Asset Quality
Nonperforming Loans / Loans1.59%2.28%1.98%1.99%2.00%1.29%1.44%2.33%+34 bps
Net Charge-Offs / Loans0.02%0.07%-0.01%0.00%0.00%0.21%0.43%0.20%+20 bps
Allowance / Loans1.32%1.29%1.29%1.30%1.39%1.33%1.32%1.34%+4 bps
Allowance Coverage of NPLs0.8x0.6x0.7x0.7x0.7x1.0x0.9x0.6x-0.1x
Capital
Tier 1 Leverage Ratio11.76%10.97%11.33%11.26%11.46%11.03%11.76%11.42%+16 bps
Total Risk-Based Capital11.76%10.97%11.33%11.26%11.46%11.03%11.76%11.42%+16 bps
Equity / Assets11.48%11.09%11.37%11.34%11.40%11.59%11.65%11.42%+8 bps
Liquidity & Funding
Loans / Deposits93.44%91.58%92.19%94.62%90.86%95.63%86.60%84.49%-1,013 bps
Liquid Assets / Assets13.55%15.24%13.90%12.16%16.02%11.28%19.16%21.45%+929 bps
CRE / Total Capitaln/an/an/an/a95.98%80.10%50.64%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank of Orwell

Orwell, VT · Cert 6280 · Peer group: banks under $1B in assets (n=581-629)

National charter · OCC · 2 branches

Q2 2026

$91.5MAssets
$68.0MLoans
$80.5MDeposits
$10.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks under $1B in assets (rank 98 of 629).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets (rank 520 of 581).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.46%

Rank 153 of 629

Net Interest Margin

4.30%

Rank 98 of 629

Efficiency Ratio

60.26%

Rank 183 of 629

Equity / Assets

11.42%

Rank 261 of 629

Non-interest income vs. expense

$0.3M$2.5MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 71% of banks under $1B in assets
Bank 60.26%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.46%0.60%1.01%1.45%Beats 76%153 / 629
Return on Equity12.77%5.38%9.30%13.28%Beats 72%179 / 629
Net Interest Margin4.30%3.03%3.54%4.05%Beats 84%98 / 629
Efficiency Ratio60.26%58.35%67.79%79.08%Beats 71%183 / 629
Asset Quality
Nonperforming Loans / Loans2.33%0.09%0.46%1.20%Beats 11%520 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 16%491 / 581
Capital
Tier 1 Capital Ratio11.42%11.24%13.84%18.77%Beats 27%458 / 629
Total Risk-Based Capital Ratio11.42%11.58%14.43%19.66%Beats 23%483 / 629
Equity / Assets11.42%9.09%10.65%13.80%Beats 59%261 / 629
Liquidity & Funding
Loans / Deposits84.49%67.24%80.90%93.48%56th pctl263 / 594
Loans / Assets74.36%53.31%67.71%78.15%64th pctl226 / 629
Brokered Deposits / Depositsn/aNot reported for this institution