BlastPoint's Banking Scorecard

Ledyard National Bank

$1B-$10B Specialty: Commercial VT FDIC cert 33418

Designations: ✓ Community bank

Norwich, VT

11 branches across NH · VT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in VT.
Deposits +7.0% year over year ($874.4M on the books).
Delinquency rate 0.31%.
Return on assets 0.71%.
Efficiency ratio 79.18% vs a 59.73% peer average.
Loan-to-deposit ratio 83.61% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in VT

View $1B-$10B leaderboard (VT) →

Ledyard National Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 34.2% in tier
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 19.45% above tier average
- ROA 0.68% below tier average
- Net Interest Margin 1.02% below tier average

Get updates when Ledyard National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Total Assets ?	$1.1B +7.8% YoY +2.7% QoQ	-$1.7B	$2.8B -0.6% YoY	$744.2M +4.9% YoY	$6.3B +7.7% YoY	Bottom 7.3% in tier
Total Loans ?	$731.0M +17.0% YoY +7.5% QoQ	-$1.2B	$2.0B -0.3% YoY	$538.3M +6.1% YoY	$3.2B +9.4% YoY	Bottom 9.4% in tier
Total Deposits ?	$874.4M +7.0% YoY -0.8% QoQ	-$1.4B	$2.3B -0.5% YoY	$606.0M +4.8% YoY	$4.9B +7.3% YoY	Bottom 5.0% in tier
Return on Assets ?	0.71% +14.8% YoY +7.8% QoQ	-0.68%	1.39% +17.0% YoY	0.88% +34.8% YoY	1.30% +12.1% YoY	Bottom 13.9% in tier
Net Interest Margin ?	2.85% +10.3% YoY +1.1% QoQ	-1.02%	3.87% +6.2% YoY	3.60% +8.7% YoY	3.95% +4.9% YoY	Bottom 10.2% in tier
Efficiency Ratio ?	79.18% +0.0% YoY -0.4% QoQ	+19.45%	59.73% -12.6% YoY	75.18% -3.3% YoY	70.05% +2.5% YoY	Bottom 7.8% in tier
Delinquency Rate ?	0.31% +61.7% YoY +46.5% QoQ	-0.56%	0.87% +11.7% YoY	0.71% +15.5% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	83.61% +9.4% YoY +8.4% QoQ	-1.43%	85.04% -0.1% YoY	86.19% +1.4% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	23.23% +3.0% YoY +2.9% QoQ	+1.96%	21.27% -1.5% YoY	20.51% +3.2% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	0.21% +75.4% YoY +53.3% QoQ	-0.46%	0.67% +11.7% YoY	0.60% +14.2% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	11.19% -4.5% YoY -3.9% QoQ	-3.66%	14.84% -0.4% YoY	14.99% +1.6% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.97% +5.4% YoY +100.5% QoQ	+0.44%	0.53% +2.5% YoY	0.33% -3.2% YoY	0.66% +5.2% YoY	Top 6.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Noninterest-Bearing	23.2% +0.7pp YoY +0.7pp QoQ	+1.9pp	21.4%	20.5%	22.2%	65%
Brokered Deposits	5.5% -0.9pp YoY -0.2pp QoQ	-4.0pp	9.5%	6.1%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
C&I	12.7% -0.8pp YoY +0.4pp QoQ	-1.3pp	14.0%	7.7%	12.5%	58%
CRE	43.2% -1.0pp YoY -1.0pp QoQ	-6.9pp	50.0%	36.8%	41.4%	31%
1-4 Family	42.2% +1.9pp YoY +0.4pp QoQ	+15.8pp	26.4%	53.7%	31.3%	84%
Consumer	2.7% 0.0pp YoY +0.2pp QoQ	-2.0pp	4.7%	2.2%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
CET1 Ratio	11.2% -0.5pp YoY -0.5pp QoQ	-4.4pp	15.6%	15.8%	19.7%	13%
Leverage Ratio	8.3% 0.0pp YoY +0.1pp QoQ	-3.0pp	11.3%	10.7%	12.6%	3%
Total Capital Ratio	11.9% -0.5pp YoY -0.5pp QoQ	-4.8pp	16.7%	16.8%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Full-Time Employees	147 +19 (+14.8%) YoY +5 (+3.5%) QoQ	-167	313	99	482	21%
Assets per Employee ($)	$7.3M -6.1% YoY -0.8% QoQ	-$3.2M	$10.5M	$7.4M	$8.8M	27%
Branch Count	11 0 YoY 0 QoQ	-9	20	8	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY +0.1pp QoQ	-0.5pp	0.8%	0.7%	1.0%	32%
Allowance Coverage	2.39x -35.5% YoY -31.6% QoQ	-16.32x	18.71x	2.58x	20.23x	56%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
ROE	9.7% +1.1pp YoY +0.7pp QoQ	-2.9pp	12.6%	9.1%	11.6%	31%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.6%	1.7%	68%
Net Income ($, YTD)	$3.8M +24.8% YoY — QoQ	-$15.5M	$19.2M	$3.5M	$40.4M	7%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#77 of 222 • Top 34.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.97%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 0.71%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.97%

Peer Median: 0.53%

#60 of 885 Top 6.7% in $1B-$10B

Top Weaknesses (7 metrics)

842

Total Deposits

size

Value: $874.36M

Peer Median: $2.32B

#842 of 885 Bottom 5.0% in $1B-$10B

821

Total Assets

size

Value: $1.07B

Peer Median: $2.79B

#821 of 885 Bottom 7.3% in $1B-$10B

817

Efficiency Ratio

profitability

Value: 79.18%

Peer Median: 59.73%

#817 of 885 Bottom 7.8% in $1B-$10B

803

Total Loans

size

Value: $731.02M

Peer Median: $1.96B

#803 of 885 Bottom 9.4% in $1B-$10B

796

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.87%

#796 of 885 Bottom 10.2% in $1B-$10B

763

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.39%

#763 of 885 Bottom 13.9% in $1B-$10B

700

Tier 1 Capital Ratio

capital

Value: 11.19%

Peer Median: 14.84%

#700 of 885 Bottom 21.0% in $1B-$10B