BlastPoint's Banking Scorecard
The First National Bank of Orwell
Designations: ✓ Community bank
Orwell, VT
2 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 536 banks in the under $100M peer group nationwide — 1 of 1 in VT.
- Deposits +4.2% year over year ($80.5M on the books).
- Delinquency rate 2.36%.
- Return on assets 1.49%.
- Efficiency ratio 60.26% vs a 119.40% peer average.
- Loan-to-deposit ratio 83.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Orwell has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.72% above tier average
- + Efficiency Ratio 59.13% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.5M
+4.3% YoY
+1.6% QoQ
|
+$29.1M |
$62.4M
-0.0% YoY
|
$744.2M
+4.9% YoY
|
$6.3B
+7.7% YoY
|
Top 11.2% in tier |
| Total Loans ? |
$67.1M
-7.0% YoY
-1.2% QoQ
|
+$32.2M |
$34.9M
-0.6% YoY
|
$538.3M
+6.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.5% in tier |
| Total Deposits ? |
$80.5M
+4.2% YoY
+1.3% QoQ
|
+$28.9M |
$51.6M
-0.2% YoY
|
$606.0M
+4.8% YoY
|
$4.9B
+7.3% YoY
|
Top 8.8% in tier |
| Return on Assets ? |
1.49%
+8.8% YoY
-3.7% QoQ
|
+0.49% |
1.00%
+3.5% YoY
|
0.88%
+34.8% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.64%
+2.1% YoY
-0.5% QoQ
|
+0.72% |
3.91%
+2.3% YoY
|
3.60%
+8.7% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
60.26%
+0.1% YoY
+1.9% QoQ
|
-59.13% |
119.40%
+49.6% YoY
|
75.18%
-3.3% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
2.36%
+17.1% YoY
+61.8% QoQ
|
+0.88% |
1.48%
+31.8% YoY
|
0.71%
+15.5% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
83.36%
-10.7% YoY
-2.5% QoQ
|
+9.15% |
74.21%
+12.6% YoY
|
86.19%
+1.4% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.39%
+3.4% YoY
-6.9% QoQ
|
+1.90% |
23.49%
+0.6% YoY
|
20.51%
+3.2% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
2.03%
+22.6% YoY
+44.7% QoQ
|
+1.20% |
0.84%
+23.0% YoY
|
0.60%
+14.2% YoY
|
0.69%
+15.8% YoY
|
Bottom 11.2% in tier |
| Tier 1 Capital Ratio ? |
11.42%
+1.4% YoY
-2.9% QoQ
|
-15.71% |
27.13%
+3.0% YoY
|
14.99%
+1.6% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.16%
+30.2% YoY
+82.2% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.33%
-3.2% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
25.4%
+0.8pp YoY -1.9pp QoQ |
+0.7pp | 24.6% | 20.5% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
4.1%
-1.3pp YoY 0.0pp QoQ |
-9.3pp | 13.4% | 7.7% | 12.5% | 16% |
| CRE | n/a | n/a | 25.2% | 36.8% | 41.4% | n/a |
| 1-4 Family |
85.3%
+9.7pp YoY +0.8pp QoQ |
+50.4pp | 35.0% | 53.7% | 31.3% | 94% |
| Consumer |
1.6%
-0.3pp YoY 0.0pp QoQ |
-6.1pp | 7.7% | 2.2% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.8% | 19.7% | n/a |
| Leverage Ratio |
11.4%
+0.2pp YoY -0.3pp QoQ |
-6.3pp | 17.7% | 10.7% | 12.6% | 34% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY +2 (+15.4%) QoQ |
+3 | 12 | 99 | 482 | 73% |
| Assets per Employee ($) |
$6.1M
+4.3% YoY -12.0% QoQ |
-$88K | $6.2M | $7.4M | $8.8M | 52% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
2.4%
+0.3pp YoY +0.9pp QoQ |
+0.6pp | 1.7% | 0.7% | 1.0% | 81% |
| Allowance Coverage |
0.58x
-11.9% YoY -37.0% QoQ |
-5.83x | 6.41x | 2.58x | 20.23x | 25% |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp QoQ |
0.0pp | 0.2% | 0.0% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
+0.7pp YoY -0.4pp QoQ |
+6.5pp | 6.4% | 9.1% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 76% |
| Net Income ($, YTD) |
$667,000
+11.2% YoY — QoQ |
+$349K | $317,817 | $3.5M | $40.4M | 86% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.