BlastPoint's Banking Scorecard
The National Bank of Middlebury
Middlebury, VT
7 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 7 in VT.
- Deposits -1.2% year over year ($500.2M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.01%.
- Efficiency ratio 72.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.60% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The National Bank of Middlebury has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 36.3% in tier
- - ROA 0.32% below tier average
- - Net Interest Margin 0.35% below tier average
- - Efficiency Ratio 7.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.5M
+0.2% YoY
-0.3% QoQ
|
+$167.0M |
$386.6M
+1.2% YoY
|
$744.2M
+4.9% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$348.1M
-0.0% YoY
+0.6% QoQ
|
+$89.8M |
$258.3M
+1.7% YoY
|
$538.3M
+6.1% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$500.2M
-1.2% YoY
-0.5% QoQ
|
+$173.5M |
$326.7M
+0.7% YoY
|
$606.0M
+4.8% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.01%
+24.3% YoY
-0.3% QoQ
|
-0.32% |
1.32%
+10.8% YoY
|
0.88%
+34.8% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.64%
+11.8% YoY
+2.6% QoQ
|
-0.35% |
3.99%
+5.0% YoY
|
3.60%
+8.7% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
72.33%
-5.3% YoY
+0.6% QoQ
|
+7.85% |
64.48%
-3.2% YoY
|
75.18%
-3.3% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.15%
-19.0% YoY
+993.8% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
0.71%
+15.5% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
69.60%
+1.2% YoY
+1.1% QoQ
|
-8.36% |
77.95%
+1.0% YoY
|
86.19%
+1.4% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
18.00%
+328.6% YoY
+330.4% QoQ
|
-4.03% |
22.03%
-0.6% YoY
|
20.51%
+3.2% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.10%
-19.2% YoY
|
-0.57% |
0.67%
+16.4% YoY
|
0.60%
+14.2% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
17.00%
+9.2% YoY
+0.7% QoQ
|
+1.09% |
15.91%
+1.4% YoY
|
14.99%
+1.6% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.45%
+8.5% YoY
+92.2% QoQ
|
-0.12% |
0.57%
+7.6% YoY
|
0.33%
-3.2% YoY
|
0.66%
+5.2% YoY
|
Top 11.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.0%
+13.8pp YoY +13.8pp QoQ |
-4.2pp | 22.1% | 20.5% | 22.2% | 36% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.6%
+0.2pp YoY +0.2pp QoQ |
-1.9pp | 11.6% | 7.7% | 12.5% | 50% |
| CRE |
25.4%
-1.6pp YoY +0.1pp QoQ |
-14.2pp | 39.5% | 36.8% | 41.4% | 27% |
| 1-4 Family |
60.5%
+2.3pp YoY -0.1pp QoQ |
+27.9pp | 32.6% | 53.7% | 31.3% | 90% |
| Consumer |
1.3%
-0.8pp YoY -0.2pp QoQ |
-2.8pp | 4.1% | 2.2% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.0%
+1.4pp YoY +0.1pp QoQ |
-1.8pp | 18.8% | 15.8% | 19.7% | 64% |
| Leverage Ratio |
9.9%
+0.8pp YoY +0.2pp QoQ |
-2.3pp | 12.2% | 10.7% | 12.6% | 28% |
| Total Capital Ratio |
17.4%
+1.4pp YoY +0.1pp QoQ |
-2.5pp | 19.9% | 16.8% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
0 YoY +7 (+9.0%) QoQ |
+26 | 58 | 99 | 482 | 80% |
| Assets per Employee ($) |
$6.5M
+0.2% YoY -8.5% QoQ |
-$1.0M | $7.5M | $7.4M | $8.8M | 43% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 0.7% | 1.0% | 25% |
| Allowance Coverage |
2.52x
+24.0% YoY -90.9% QoQ |
-21.64x | 24.15x | 2.58x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+0.2pp YoY -0.2pp QoQ |
+0.4pp | 12.2% | 9.1% | 11.6% | 53% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$2.8M
+25.7% YoY — QoQ |
+$237K | $2.6M | $3.5M | $40.4M | 67% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.