Bank · FDIC insured
The First National Bank of Orwell
A $91.5M bank headquartered in Orwell, VT, with 2 branches in Vermont. Best rates: CDs 3.29% and savings 1.00% APY.
The First National Bank of Orwell Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#14 of 22 in VermontHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The First National Bank of Orwell
The First National Bank of Orwell is based in Orwell, Vermont, and has been in business since 1832.
Operating two full-service locations in Orwell and Shoreham, the bank serves southern Addison County and northern Rutland County.
- Headquarters
- 441 Main St, Orwell, VT 05760
- FDIC certificate
- 6280 ↗
Branches
2 branches in Vermont
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Vermont
2 branches
Orwell area · 1
- The First National Bank of OrwellMain office441 Main St, Orwell, VT 05760Directions
Shoreham area · 1
- Shoreham Branch2936 Vt Route 22a, Shoreham, VT 05770Directions
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 | 11.42% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 2.33% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | 1.49% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $84 | $67 | — |
- CapitalLeverage ratio11.42%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent2.33%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets1.49%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$84Peers’ middle $67
Compared with the 546 banks with under $100 million 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 The First National Bank of Orwell are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.