BlastPoint's Banking Scorecard
The National Bank of Middlebury
Community
Specialty: Mortgage
VT
FDIC cert 6275
Middlebury, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
The National Bank of Middlebury faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$557.0M
+1.7% YoY
+0.3% QoQ
|
-$834.5M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$350.3M
+0.8% YoY
+0.0% QoQ
|
-$625.2M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$505.6M
+2.8% YoY
-0.0% QoQ
|
-$659.0M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.94%
+51.9% YoY
-5.6% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.36%
+14.5% YoY
+1.6% QoQ
|
-0.30% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
73.65%
-8.8% YoY
+2.8% QoQ
|
+11.02% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.20%
-16.8% YoY
-32.0% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
69.29%
-1.9% YoY
+0.1% QoQ
|
-13.78% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
4.32%
+0.4% YoY
-7.7% QoQ
|
-16.72% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-17.5% YoY
-32.1% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
16.19%
+7.9% YoY
+1.4% QoQ
|
+5.94% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.98%
+30.1% YoY
+30.3% QoQ
|
+0.24% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Community
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
4.32%
(Tier avg: 21.05%, National avg: 21.79%)
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
85
85th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.74%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 10.24%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.29% · Tier avg: 83.06%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
20
20th pctile
Efficiency Ratio
Current: 73.65% · Tier avg: 62.63%
14
14th pctile
Total Deposits
Current: $505.6M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $557.0M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $350.3M · Tier avg: $975.5M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.32% · Tier avg: 21.05%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 4.32% · Tier avg: 21.05%
8
8th pctile
Total Loans
Current: $350.3M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $557.0M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $505.6M · Tier avg: $1.2B
20
20th pctile
Efficiency Ratio
Current: 73.65% · Tier avg: 62.63%
34
34th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
82
82th pctile
Loan-to-Deposit Ratio
Current: 69.29% · Tier avg: 83.06%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 10.24%
85
85th pctile
Non-Interest Income / Assets
Current: 0.98% · Tier avg: 0.74%