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 The First National Bank of Orwell
The First National Bank of Orwell
| RSSD ID 177500 | CERTIFICATE 6280 | ABA NUMBER 11601142 |
| 441 Main St |
Quarter Ended : |
2025-09-30 |
| Orwell, Vermont, 5760 |
Updated : |
2025-10-29 |
| www.fnborwell.com |
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| Institution Profile |
| Year Opened : |
1863 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Mortgage Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
14 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 90,180 |
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Total Interest Income | 4,249 |
| Total Liabilities | 79,898 |
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Total NonInterest Income | 163 |
| Total Bank Equity Capital | 10,282 |
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Total Interest Expense | 1,359 |
| Total Deposits | 79,644 |
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Total NonInterest Expense | 1,789 |
| Net Loans & Leases | 71,356 |
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Net Income | 933 |
| Loan Loss Allowance | 1,005 |
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Net Charge Offs | (2) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 73,107 |
| Total assets for the leverage ratio | 89,757 |
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Loans secured by real estate: | 65,141 |
| Tier 1 Leverage Ratio | 11.46 |
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Commercial and industrial loans | 3,640 |
| Off Balance Sheet Exposures (%) | 1.97 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,298 |
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