The First National Bank of Orwell
Orwell, VT
IDRSSD: 177500
Total Assets
$90.18M
Latest filing
Total Deposits
$79.64M
Latest filing
Net Interest Margin
4.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Orwell
441 Main St
Orwell, VT 05760
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1863FDIC Certificate 4242
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Orwell (Main) | 441 Main St | Orwell, VT |
| SHOREHAM BRANCH | 2936 Vt Route 22a | Shoreham, VT |
Showing 1 of 1
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 | 01/01/1863 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05760 |
| State and County Number | 50001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | 15 |
| Domestic Offices | 2 |
| 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.fnborwell.com |
| Data Updated | 11/14/2025 |
| CERT | 6280 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $90.18M |
| Total Deposits | $79.64M |
| Total Liabilities | $79.90M |
| Total Equity Capital | $10.28M |
| Net Income | $333.00k |
| Net Loans and Leases | $71.36M |
| Assets Per Employee ($Millions) | $6.44M |
| Bank Premises and Fixed Assets | $2.14M |
| Cash and Balances due from Depository Institutions | $16.09M |
| Deposits Held in Domestic Offices | $79.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 13.17% |
| Net Interest Margin | 4.77% |
| Efficiency Ratio | 55.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.402% |
| Earning Assets to total Assets | 95.15% |
Income and Expense
| Total Interest Income | $1.45M |
| Total Noninterest Income | $54.00k |
| Total Interest Expense | $448.00k |
| Total Noninterest Expense | $588.00k |
| Net Interest Income | $1.00M |
| Pre-tax Net Operating Income | $418.00k |
| Provision for Credit Losses | $53.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $254.00k |
| Total Liabilities and Capital | $90.18M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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 First National Bank of Orwell?
$90.18M as of the latest filing.
How much are The First National Bank of Orwell's total deposits?
$79.64M in total deposits.
Where is The First National Bank of Orwell located?
Orwell, VT.
What is the Net Interest Margin?
4.77%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1863.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$71.36M (latest filing).
What is the total interest income (latest filing)?
$1.45M.