MIDDLEBURY, VT · Supervised by OCC (Office of the Comptroller of the Currency)
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$555M
Total Deposits
$503M
Net Loans
$346M
Net Income
$1M
ROA
1.01%
Above avg for Small banks. Peer avg: 0.44%
ROE
12.75%
Risk-Based Capital
17.30%
Below avg for Small banks. Regulatory min: 8%
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 162 | 77.78% | 4.94% |
| 2023 | 205 | 75.12% | 6.83% |
| 2022 | 240 | 79.17% | 5.00% |
| 2021 | 400 | 79% | 5.50% |
| 2020 | 472 | 79.45% | 5.30% |
| 2019 | 275 | 80.36% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Aug 2024 | Satisfactory | Intermediate Small Bank |
| Aug 2021 | Outstanding | Intermediate Small Bank |
| Jul 2018 | Outstanding | Intermediate Small Bank |
6 previous ratings locked — back to 1993
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Total Branches
7
Branch Deposits
$506M
1-Year Change
0
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Preview:
| 2018 | 246 | 80.08% | 8.13% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red