Ledyard National Bank
Norwich, VT
IDRSSD: 1863097
Total Assets
$1.03B
Latest filing
Total Deposits
$849.81M
Latest filing
Net Interest Margin
2.70%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Ledyard National Bank
320 Main St
Norwich, VT 05055
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/22/1991FDIC Certificate 47078
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Ledyard National Bank (Main) | 320 Main St | Norwich, VT |
| HANOVER LEBANON STREET BRANCH | 50 Lebanon St | Hanover, NH |
| LYME BRANCH | 5 Main St | Lyme, NH |
| HANOVER BRANCH | 38 S Main St | Hanover, NH |
| WEST LEBANON BRANCH | 67 Main St | West Lebanon, NH |
| NEW LONDON BRANCH | 178 County Rd | New London, NH |
| ROUTE 120 BRANCH | 42 Old Etna Rd | Lebanon, NH |
| KENDAL AT HANOVER BRANCH | 80 Lyme Rd | Hanover, NH |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/22/1991 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05055 |
| State and County Number | 50027 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lebanon, NH-VT |
Operational Info
| Number of Employees | 128 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 05/22/1991 |
| Primary Insurance Agency | DIF |
| Website | www.ledyard.bank |
| Data Updated | 11/14/2025 |
| CERT | 33418 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.03B |
| Total Deposits | $849.81M |
| Total Liabilities | $956.42M |
| Total Equity Capital | $72.89M |
| Net Income | $1.79M |
| Net Loans and Leases | $642.86M |
| Assets Per Employee ($Millions) | $7.74M |
| Bank Premises and Fixed Assets | $20.68M |
| Cash and Balances due from Depository Institutions | $57.39M |
| Deposits Held in Domestic Offices | $849.81M |
Key Performance Ratios
| Return on Assets (ROA) | 0.71% |
| Return on Equity (ROE) | 10% |
| Net Interest Margin | 2.7% |
| Efficiency Ratio | 80.47% |
| Tier 1 Risk-Based Capital Ratio | 11.625% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.082% |
| Earning Assets to total Assets | 93.29% |
Income and Expense
| Total Interest Income | $12.14M |
| Total Noninterest Income | $4.75M |
| Total Interest Expense | $5.78M |
| Total Noninterest Expense | $8.94M |
| Net Interest Income | $6.36M |
| Pre-tax Net Operating Income | $2.08M |
| Provision for Credit Losses | $89.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $92.98M |
| Federal Funds Sold & Reverse Repurchase Agreement | $274.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.63M |
| Total Liabilities and Capital | $1.03B |
Securities
| Securities | $264.11M |
| Available-for-sale debt securities | $87.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $176.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ledyard National Bank?
$1.03B as of the latest filing.
How much are Ledyard National Bank's total deposits?
$849.81M in total deposits.
Where is Ledyard National Bank located?
Norwich, VT.
What is the Net Interest Margin?
2.70%.
How many domestic offices does it operate?
11.
When was it established?
05/22/1991.
What is the Return on Assets (ROA)?
0.71%.
How much are total loans and leases?
$642.86M (latest filing).
What is the total interest income (latest filing)?
$12.14M.