Overview / Commentary
441 Main Street
Orwell, VT 05760

The First National Bank of Orwell is headquartered in Orwell and is the 11th largest bank in the state of Vermont. It is also the 4,602nd largest bank in the nation. It was established in 1863 and as of September of 2018, it had grown to 16 employees at 2 locations. The First National Bank of Orwell's CD rates are 2X the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank of Orwell has a relatively low asset base.

Health Grade Components

FDIC Certificate #6280
Year Established1863
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD13.41%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$71.8MM$67.3MM
LoansQ3 2018vs Q3 2017$64.2MM$61.6MM
DepositsQ3 2018vs Q3 2017$61.0MM$58.0MM
Equity CapitalQ3 2018vs Q3 2017$6.1MM$5.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$797.00K$706.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.7MM$2.3MM
Real Estate OwnedQ3 2018vs Q3 2017$47.00K$25.00K
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The First National Bank of Orwell Savings Account Rates

0.10%--Passbook Savings

The First National Bank of Orwell CD Rates

2.43%$500-24 Months CD
2.27%$500-18 - 23 Months CD
2.02%$500-12 - 17 Months CD
1.00%$500-6 Months - 364 Days CD

The First National Bank of Orwell IRA Rates

2.02%$500-12 Months IRA

The First National Bank of Orwell Locations
The First National Bank Of Orwell441 Main StreetOrwell, VT 05760
Shoreham Branch2936 Vt Route 22aShoreham, VT 05770

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