C
National Bank of Middlebury
Rating Date
March 2026
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 8.40
Capitalization Index 7.50
Liquidity Index 3.10
Profitability Index 3.90
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 1.67%
5-Year Asset Growth 2.96%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 1.27%
Non-Performing Loans to Loans 0.18%
Balance Sheet National Bank of Middlebury
Middlebury, VT
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Total Assets 556.96M
Total Deposits 505.61M
Capital and Reserves National Bank of Middlebury
Middlebury, VT
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Capital 43.81M
Leverage Ratio 9.35
Loan Loss Reserves to Loans 0.37%
Risk-Based Capital Ratio 16.60
Liquidity National Bank of Middlebury
Middlebury, VT
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Hot Money Ratio 10.27%
Liquidity Ratio 26.26%
Profitability National Bank of Middlebury
Middlebury, VT
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5-Year Return on Average Assets 0.64%
Net Income 5.21M
Net Interest Spread 3.32%
Operating Profit to Average Assets 1.05%
Overhead Efficiency Ratio 73.65%
Return on Assets 0.92%
Return on Equity 13.45%