$1.04B
+7.0%y/y
Percentile by value6th percentileby value
FDIC
ASSETLB
Ledyard National Bank
Norwich, VermontFDIC Cert #33418
OCCEstablished 199110 branches
Holding company: LEDYARD FINANCIAL GROUP INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLedyard National Bank reported $1.04B in total assets. Deposits grew 10.29% over the prior year.
Return on assets was 0.66%, compared with an asset-peer median of 1.16%. The leverage ratio was 8.18%.
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$882M
+10.3%y/y
Percentile by value8th percentileby value
FDIC
DEP$680M
+12.5%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET0.66%
+6 bpsy/y
Peer standing17th percentile
FDIC
NETINC + ROA79.47%
+162 bpsy/y
Peer standing11th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.18%
−27 bpsy/y
Peer standing3rd percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $715M | $626M |
| Q3 2021 | $729M | $639M |
| Q4 2021 | $769M | $676M |
| Q1 2022 | $758M | $687M |
| Q2 2022 | $732M | $571M |
| Q3 2022 | $728M | $571M |
| Q4 2022 | $742M | $575M |
| Q1 2023 | $745M | $529M |
| Q2 2023 | $749M | $566M |
| Q3 2023 | $799M | $598M |
| Q4 2023 | $854M | $664M |
| Q1 2024 | $894M | $784M |
| Q2 2024 | $907M | $798M |
| Q3 2024 | $939M | $826M |
| Q4 2024 | $950M | $811M |
| Q1 2025 | $975M | $799M |
| Q2 2025 | $994M | $818M |
| Q3 2025 | $1.03B | $850M |
| Q4 2025 | $1.06B | $883M |
| Q1 2026 | $1.04B | $882M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $69M |
| Investor CRE | $99.2M |
| Multifamily | $56.8M |
| Construction | $74.9M |
| 1–4 family | $284M |
| C&I | $83.3M |
| Agriculture | $100K |
| Other | $17.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.66%17th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE9.05%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY2.82%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.47%11th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+10.29%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+12.45%80th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.21%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ8.18%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.08%27th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC254%63rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.66%36th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 0.75%90th 1.46%Observations 12
ROE
FDIC
NETINC + ROE9.05%55th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.74%Median 8.41%90th 13.39%Observations 12
NIM
FDIC
NIM + NIMY2.82%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.38%90th 4.23%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR79.47%36th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.01%Median 76.35%90th 89.12%Observations 12
Deposits YoY
FDIC
DEP+10.29%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +1.08%Median +2.78%90th +9.85%Observations 12
Loans YoY
FDIC
LNLSNET+12.45%91st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.16%Median +5.36%90th +12.14%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.21%73rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.50%90th 1.10%Observations 12
Leverage
FDIC
RBC1AAJ8.18%9th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.33%Median 10.82%90th 12.39%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.08%9th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.21%90th 3.05%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC254%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 46%Median 169%90th 335%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Norwich, VT
FDIC
OFFDOMOpen the Vermont dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data