Bank · FDIC insured
National Bank of Middlebury
A $553.5M bank headquartered in Middlebury, VT, with 7 branches in Vermont. Best rates: CDs 3.41% and savings 0.05% APY.
National Bank of Middlebury Carrot Score
60
Carrot Score
Higher than 0% of U.S. banks and credit unions
#15 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About National Bank of Middlebury
Founded in 1831, National Bank of Middlebury is a locally owned and managed independent bank serving people who live and work in west central Vermont.
The bank accepted a federal charter in 1865 to become National Bank of Middlebury, and Middlebury National Corporation became its registered holding company in 1985.
- Headquarters
- 30 Main St, Middlebury, VT 05753
- FDIC certificate
- 6275 ↗
Branches
7 branches in Vermont
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Vermont
7 branches
Middlebury area · 3
- The National Bank of MiddleburyMain office30 Main St, Middlebury, VT 05753Directions
- Middlebury Route 7 South Branch240 Court St, Middlebury, VT 05753Directions
- Motor Branch15 Seymour St, Middlebury, VT 05753Directions
Rutland area · 1
- Brandon Branch6 Park St, Brandon, VT 05733Directions
Bristol area · 1
- Bristol Branch28 Main St, Bristol, VT 05443Directions
Burlington area · 1
- Hinesburg Branch140 Commerce St, Hinesburg, VT 05461Directions
Vergennes area · 1
- Vergennes Branch29 Green St, Vergennes, VT 05491Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.86% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.15% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.01% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio9.86%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.01%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of National Bank of Middlebury are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.