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
Unfavorable gap of $2.3M · efficiency ratio beats 71% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.60% | 1.01% | 1.45% | Beats 76% | 153 / 629 | |
| Return on Equity | 12.77% | 5.38% | 9.30% | 13.28% | Beats 72% | 179 / 629 | |
| Net Interest Margin | 4.30% | 3.03% | 3.54% | 4.05% | Beats 84% | 98 / 629 | |
| Efficiency Ratio | 60.26% | 58.35% | 67.79% | 79.08% | Beats 71% | 183 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.33% | 0.09% | 0.46% | 1.20% | Beats 11% | 520 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 16% | 491 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 11.42% | 11.24% | 13.84% | 18.77% | Beats 27% | 458 / 629 | |
| Total Risk-Based Capital Ratio | 11.42% | 11.58% | 14.43% | 19.66% | Beats 23% | 483 / 629 | |
| Equity / Assets | 11.42% | 9.09% | 10.65% | 13.80% | Beats 59% | 261 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 84.49% | 67.24% | 80.90% | 93.48% | 56th pctl | 263 / 594 | |
| Loans / Assets | 74.36% | 53.31% | 67.71% | 78.15% | 64th pctl | 226 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |