$685M
+12.5%y/y
Percentile by value10th percentileby value
FDIC
LNLSGRLB
Ledyard National Bank
Norwich, VermontFDIC Cert #33418
OCCEstablished 199110 branches
Holding company: LEDYARD FINANCIAL GROUP INCRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
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 |
Loan book
Reported balances and balance-sheet intensity.
$680M
+12.5%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET+12.45%
−62.4%y/y
Percentile by value80th percentileby value
FDIC
LNLSNET77.1%
+2.0%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET + DEP65.2%
+5.1%y/y
Percentile by value28th percentileby value
FDIC
LNLSNET + ASSET87.61%
+2.2%y/y
Percentile by value57th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
254%
+2.4%y/y
Percentile by value63rd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC82%
−2.5%y/y
Percentile by value79th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,373points
+4.4%y/y
Peer standing34th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.07%
+2.4%y/y
Percentile by value37th percentileby value
FDIC
LNRENROW + LNLSGR14.49%
−9.0%y/y
Percentile by value31st percentileby value
FDIC
LNRENROT + LNLSGR12.17%
−6.1%y/y
Percentile by value60th percentileby value
FDIC
LNCI + LNLSGR