The First National Bank of Orwell: how it compares with its peers
Against 993 U.S. banks with half to twice its assets, The First National Bank of Orwell's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 3.92% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.49% | 1.15% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 3.92% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.26% | 65.82% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.4M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.36% | 73.33% | Context |
What it means for lending operations
Its efficiency ratio of 60.26% is better than the 65.82% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Mason City National Bank Mason City, IL · $91M
- The Old Exchange National Bank of Okawville Okawville, IL · $91M
- Nova Bank Huntsville, AL · $91M
- First Bank and Trust Company Minden, NE · $91M
- The First National Bank of Hooker Hooker, OK · $91M
- Logan State Bank Logan, IA · $92M
Questions about The First National Bank of Orwell
How big is The First National Bank of Orwell?
The First National Bank of Orwell, established in 1863, is headquartered in Orwell, VT. It reported $92M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The First National Bank of Orwell's return on assets?
1.49% annualized in Q2 2026, against a 1.15% median for 993 U.S. banks with half to twice its assets, ahead of 69% of them.
What is The First National Bank of Orwell's efficiency ratio?
60.26% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 65.82%, and lower is better.
Is The First National Bank of Orwell growing its loans?
Net loans shrank 7.0% over the year to Q2 2026, while deposits grew 4.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Vermont bank ranked.