BlastPoint's Banking Scorecard
Ledyard National Bank
Community
Specialty: Commercial
VT
FDIC cert 33418
Norwich, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
Ledyard National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29% in Community
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+11.5% YoY
+2.9% QoQ
|
-$331.9M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$666.2M
+15.7% YoY
+3.6% QoQ
|
-$309.3M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$882.6M
+8.8% YoY
+3.9% QoQ
|
-$282.0M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.70%
+50.1% YoY
+8.0% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.66%
+15.8% YoY
+1.3% QoQ
|
-1.01% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
78.63%
-5.5% YoY
-1.2% QoQ
|
+16.00% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.19%
-13.9% YoY
+0.4% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
75.48%
+6.3% YoY
-0.2% QoQ
|
-7.58% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
22.15%
-5.9% YoY
+2.7% QoQ
|
+1.11% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.12%
-10.7% YoY
+1.1% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.64%
-3.6% YoY
+0.2% QoQ
|
+1.40% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
1.82%
+2.1% YoY
+34.8% QoQ
|
+1.08% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#107 of 371 · Top 29% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.82%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.70%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.66%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.15% · Tier avg: 21.05%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $882.6M · Tier avg: $1.2B
47
47th pctile
Total Loans
Current: $666.2M · Tier avg: $975.5M
43
43th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 10.24%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 83.06%
19
19th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.66%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.66%
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
19
19th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.48% · Tier avg: 83.06%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.64% · Tier avg: 10.24%
47
47th pctile
Total Loans
Current: $666.2M · Tier avg: $975.5M
52
52th pctile
Total Deposits
Current: $882.6M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.15% · Tier avg: 21.05%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
95
95th pctile
Non-Interest Income / Assets
Current: 1.82% · Tier avg: 0.74%