C
National Bank of Middlebury
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings National Bank of Middlebury
Middlebury, VT
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Rating C
Asset Quality Index 8.00
Capitalization Index 7.50
Liquidity Index 3.10
Profitability Index 4.30
Stability Index 4.00
Company Info National Bank of Middlebury
Middlebury, VT
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FDIC Number 6275
Phone Number (802) 388-4982
Website nbmvt.com
Asset Quality National Bank of Middlebury
Middlebury, VT
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1-Year Asset Growth -0.60%
5-Year Asset Growth 8.10%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 2.03%
Non-Performing Loans to Loans 0.23%
Balance Sheet National Bank of Middlebury
Middlebury, VT
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Total Assets 555.39M
Total Deposits 505.80M
Capital and Reserves National Bank of Middlebury
Middlebury, VT
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Capital 41.90M
Leverage Ratio 9.30
Loan Loss Reserves to Loans 0.38%
Risk-Based Capital Ratio 16.38
Liquidity National Bank of Middlebury
Middlebury, VT
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Hot Money Ratio 8.63%
Liquidity Ratio 25.84%
Profitability National Bank of Middlebury
Middlebury, VT
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5-Year Return on Average Assets 0.64%
Net Income 4.14M
Net Interest Spread 3.27%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 71.66%
Return on Assets 0.98%
Return on Equity 14.74%