$90.1M
+2.4%y/y
Percentile by value89th percentileby value
FDIC
ASSETFB
The First National Bank of Orwell
Orwell, VermontFDIC Cert #6280
OCCEstablished 18632 branches
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe First National Bank of Orwell reported $90.1M in total assets. Deposits grew 2.16% over the prior year.
Return on assets was 1.54%, compared with an asset-peer median of 0.97%. The leverage ratio was 11.76%.
- Why is Total Assets above asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Net Loan Growth, Year over Year 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
$79.5M
+2.2%y/y
Percentile by value90th percentileby value
FDIC
DEP$67.9M
−4.1%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET1.54%
+26 bpsy/y
Peer standing75th percentile
FDIC
NETINC + ROA59.13%
−288 bpsy/y
Peer standing76th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.76%
+43 bpsy/y
Peer standing37th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $86.5M | $78.6M |
| Q3 2021 | $87.3M | $79.2M |
| Q4 2021 | $85.3M | $77.1M |
| Q1 2022 | $84M | $75.7M |
| Q2 2022 | $86.2M | $77.6M |
| Q3 2022 | $87.7M | $79M |
| Q4 2022 | $84.6M | $75.6M |
| Q1 2023 | $84M | $74.8M |
| Q2 2023 | $83.3M | $73.7M |
| Q3 2023 | $81.1M | $71.5M |
| Q4 2023 | $78.8M | $68.9M |
| Q1 2024 | $78M | $68.2M |
| Q2 2024 | $81.3M | $71.1M |
| Q3 2024 | $85.7M | $75.6M |
| Q4 2024 | $87.7M | $77.4M |
| Q1 2025 | $88M | $77.8M |
| Q2 2025 | $87.8M | $77.3M |
| Q3 2025 | $90.2M | $79.6M |
| Q4 2025 | $87.6M | $76.9M |
| Q1 2026 | $90.1M | $79.5M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $541K |
| Investor CRE | $554K |
| Multifamily | $0 |
| Construction | $4.22M |
| 1–4 family | $57.4M |
| C&I | $2.79M |
| Agriculture | $1.08M |
| Other | $2.2M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.54%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE13.29%77th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY4.66%82nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.13%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+2.16%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−4.06%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.44%26th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ11.76%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
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 + DEPIDOM2.71%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
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 + ROA1.54%100th 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 + ROE13.29%82nd 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 + NIMY4.66%100th 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 + EEFFR59.13%91st 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+2.16%36th 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−4.06%0th 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 + LNLSGR1.44%0th 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
RBC1AAJ11.76%73rd 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 + DEPIDOM2.71%27th 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 + RBCToggle 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
- 2 branches
- Headquarters
- Orwell, 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