BlastPoint's Banking Scorecard
Ledyard National Bank
Designations: ✓ Community bank
Norwich, VT
10 branches across NH · VT
Ledyard National Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16.8% in tier
- + Revenue Diversifier: Top 37.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.6% in tier
- - Efficiency Ratio 18.41% above tier average
- - ROA 0.71% below tier average
- - Net Interest Margin 1.00% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+7.0% YoY
-1.6% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.0% YoY
|
Bottom 4.1% in tier |
| Total Loans ? |
$679.7M
+12.5% YoY
+2.0% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.7% YoY
|
Bottom 7.6% in tier |
| Total Deposits ? |
$881.6M
+10.3% YoY
-0.1% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.0% YoY
|
Bottom 5.3% in tier |
| Return on Assets ? |
0.66%
+9.8% YoY
-5.9% QoQ
|
-0.71% |
1.37%
+19.6% YoY
|
0.81%
+21.8% YoY
|
1.24%
+13.1% YoY
|
15% |
| Net Interest Margin ? |
2.82%
+9.5% YoY
+6.1% QoQ
|
-1.00% |
3.82%
+6.9% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio ? |
79.47%
+2.1% YoY
+1.1% QoQ
|
+18.41% |
61.05%
-4.6% YoY
|
76.06%
-2.4% YoY
|
66.84%
-3.8% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate ? |
0.21%
+3.3% YoY
+10.2% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
77.10%
+2.0% YoY
+2.1% QoQ
|
-7.10% |
84.20%
+0.3% YoY
|
85.29%
+3.0% YoY
|
76.69%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
22.58%
-2.0% YoY
+1.9% QoQ
|
+1.30% |
21.28%
-2.5% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.1% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.14%
+8.6% YoY
+14.2% QoQ
|
-0.54% |
0.67%
+15.6% YoY
|
0.47%
-6.9% YoY
|
0.66%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.64%
-1.1% YoY
-0.1% QoQ
|
-3.53% |
15.17%
+2.0% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.48%
+5.1% YoY
-73.4% QoQ
|
+0.23% |
0.26%
+1.6% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.0% YoY
|
Top 6.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.