The National Bank of Middlebury
Middlebury, VT
IDRSSD: 173306
Total Assets
$556.96M
Latest filing
Total Deposits
$505.61M
Latest filing
Net Interest Margin
3.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
011601087MIDDLEBURY, VT
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The National Bank of Middlebury
30 Main St
Middlebury, VT 05753
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/09/1831FDIC Certificate 4239
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The National Bank of Middlebury (Main) | 30 Main St | Middlebury, VT |
| MOTOR BRANCH | 15 Seymour St | Middlebury, VT |
| MIDDLEBURY ROUTE 7 SOUTH BRANCH | 240 Court St | Middlebury, VT |
| BRISTOL BRANCH | 28 Main St | Bristol, VT |
| BRANDON BRANCH | 6 Park St | Brandon, VT |
| VERGENNES BRANCH | 29 Green St | Vergennes, VT |
| HINESBURG BRANCH | 140 Commerce St | Hinesburg, VT |
Showing 6 of 6
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 | 11/09/1831 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05753 |
| State and County Number | 50001 |
| 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 | N/A |
Operational Info
| Number of Employees | 82 |
| Domestic Offices | 7 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nbmvt.com |
| Data Updated | 01/30/2026 |
| CERT | 6275 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $556.96M |
| Total Deposits | $505.61M |
| Total Liabilities | $513.15M |
| Total Equity Capital | $43.81M |
| Net Income | $1.08M |
| Net Loans and Leases | $350.31M |
| Assets Per Employee ($Millions) | $7.14M |
| Bank Premises and Fixed Assets | $11.13M |
| Cash and Balances due from Depository Institutions | $13.16M |
| Deposits Held in Domestic Offices | $505.61M |
Key Performance Ratios
| Return on Assets (ROA) | 0.78% |
| Return on Equity (ROE) | 10.07% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 79.42% |
| Tier 1 Risk-Based Capital Ratio | 16.185% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.866% |
| Earning Assets to total Assets | 91.68% |
Income and Expense
| Total Interest Income | $5.73M |
| Total Noninterest Income | $1.28M |
| Total Interest Expense | $1.24M |
| Total Noninterest Expense | $4.58M |
| Net Interest Income | $4.49M |
| Pre-tax Net Operating Income | $1.20M |
| Provision for Credit Losses | $-10,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.73M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.81M |
| Total Liabilities and Capital | $556.96M |
Securities
| Securities | $154.09M |
| Available-for-sale debt securities | $154.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The National Bank of Middlebury?
$556.96M as of the latest filing.
How much are The National Bank of Middlebury's total deposits?
$505.61M in total deposits.
Where is The National Bank of Middlebury located?
Middlebury, VT.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
7.
When was it established?
11/09/1831.
What is the Return on Assets (ROA)?
0.78%.
How much are total loans and leases?
$350.31M (latest filing).
What is the total interest income (latest filing)?
$5.73M.