🏦Bank Scorer

THE FIRST NATIONAL BANK OF ORWELL

ORWELL, VT · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1863FDIC #6,280
Outstanding Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

441 Main St, ORWELL, VT

County

Addison County

Established

January 1, 1863

Total Assets

$90M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 7, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$90M

Total Deposits

$79M

Net Loans

$68M

Net Income

$343K

ROA

1.54%

ROE

13.29%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$77M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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