BlastPoint's Banking Scorecard
The First National Bank of Orwell
Designations: ✓ Community bank
Orwell, VT
2 branches across VT
The First National Bank of Orwell has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.71% above tier average
- + Net Interest Margin 0.80% above tier average
- + Efficiency Ratio 29.21% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.1M
+2.4% YoY
+2.8% QoQ
|
+$27.9M |
$62.2M
-0.6% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 12.0% in tier |
| Total Loans ? |
$67.9M
-4.1% YoY
-6.4% QoQ
|
+$33.7M |
$34.2M
-1.4% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
Top 5.7% in tier |
| Total Deposits ? |
$79.5M
+2.2% YoY
+3.3% QoQ
|
+$27.7M |
$51.7M
-0.7% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
Top 10.4% in tier |
| Return on Assets ? |
1.54%
+19.8% YoY
+15.4% QoQ
|
+0.71% |
0.84%
-2.3% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
4.66%
+5.3% YoY
-1.5% QoQ
|
+0.80% |
3.86%
+2.8% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
59.13%
-4.6% YoY
+0.0% QoQ
|
-29.21% |
88.34%
+0.3% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
1.46%
-27.3% YoY
+11.4% QoQ
|
+0.09% |
1.37%
+33.8% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
85.46%
-6.1% YoY
-9.4% QoQ
|
+21.25% |
64.22%
-0.7% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
27.28%
+4.8% YoY
+8.6% QoQ
|
+3.56% |
23.71%
+0.3% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.41%
-12.9% YoY
+0.4% QoQ
|
+0.62% |
0.79%
+28.2% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.76%
+3.8% YoY
+6.7% QoQ
|
-14.92% |
26.68%
+2.0% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.09%
+47.4% YoY
-65.4% QoQ
|
-0.58% |
0.67%
+1.9% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
65% |
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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.