BlastPoint's Banking Scorecard

The National Bank of Middlebury

$100M-$1B Specialty: Mortgage VT FDIC cert 6275

Middlebury, VT

7 branches across VT

2664 banks in the $100M-$1B peer group nationally 7 in VT

The National Bank of Middlebury has 1 strength but faces 4 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

+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 17.84% below tier average
- ROA 0.26% below tier average
- Net Interest Margin 0.39% below tier average
- Efficiency Ratio 6.63% above tier average

Get updates when The National Bank of Middlebury releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Total Assets ?	$555.2M +1.5% YoY -0.3% QoQ	+$169.1M	$386.1M +0.5% YoY	$743.5M +4.5% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$346.2M -0.3% YoY -1.2% QoQ	+$90.4M	$255.7M +1.1% YoY	$533.5M +5.7% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$502.9M -0.0% YoY -0.5% QoQ	+$174.9M	$328.0M +0.1% YoY	$610.4M +4.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.01% +35.8% YoY +6.8% QoQ	-0.26%	1.27% +12.9% YoY	0.81% +21.8% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.54% +10.6% YoY +5.4% QoQ	-0.39%	3.93% +6.0% YoY	3.55% +8.5% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	71.92% -7.6% YoY -2.4% QoQ	+6.63%	65.29% -4.5% YoY	76.06% -2.4% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.01% -95.2% YoY -93.0% QoQ	-0.87%	0.89% +18.8% YoY	0.54% -9.4% YoY	0.95% +18.8% YoY	Top 14.7% in tier
Loan-to-Deposit Ratio ?	68.84% -0.3% YoY -0.6% QoQ	-7.80%	76.64% +0.8% YoY	85.29% +3.0% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	4.18% +16.7% YoY -3.3% QoQ	-17.84%	22.02% -1.0% YoY	19.30% -2.0% YoY	22.01% -1.2% YoY	Bottom 2.9% in tier
Nonperforming Asset Ratio ?	0.01% -95.3% YoY -93.1% QoQ	-0.63%	0.64% +19.7% YoY	0.47% -6.9% YoY	0.67% +19.3% YoY	Top 13.6% in tier
Tier 1 Capital Ratio ?	16.87% +10.2% YoY +4.2% QoQ	+1.04%	15.83% +1.5% YoY	15.07% +1.0% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.23% +17.5% YoY -76.2% QoQ	-0.05%	0.28% +9.3% YoY	0.16% -5.6% YoY	0.32% +4.1% YoY	Top 10.2% in tier

Get Full Access to The National Bank of Middlebury

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

274

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#274 of 2664 Top 10.2% in $100M-$1B

363

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#363 of 2664 Top 13.6% in $100M-$1B

390

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#390 of 2654 Top 14.7% in $100M-$1B

534

Total Deposits

size

Value: $502.86M

Peer Median: $327.97M

#534 of 2664 Top 20.0% in $100M-$1B

617

Total Assets

size

Value: $555.20M

Peer Median: $386.08M

#617 of 2664 Top 23.1% in $100M-$1B

625

Tier 1 Capital Ratio

capital

Value: 16.87%

Peer Median: 15.83%

#625 of 2664 Top 23.4% in $100M-$1B

Top Weaknesses (1 metrics)

2588

Non-Interest-Bearing Deposit Share

funding

Value: 4.18%

Peer Median: 22.02%

#2588 of 2664 Bottom 2.9% in $100M-$1B