The First National Bank of Orwell

441 Main Street
Orwell, VT 05760

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.87% 2.20% →
2-Year CD 2.07% 2.20% →
5-Year CD N.A. 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

The First National Bank of Orwell is an FDIC insured institution located in Orwell, VT. It was founded in 1863 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 6280
Date Established 1863
Assets $0.08 billion
Loans $0.07 billion
Deposits $0.07 billion
Capital $0.01 billion
 

For a more detailed analysis of The First National Bank of Orwell's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 23, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
6 Mo CD
1.26% $500 - Learn MoreShow Less
12 Mo CD
1.87% $500 - Learn MoreShow Less
18 Mo CD
2.02% $500 - Learn MoreShow Less
24 Mo CD
2.07% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.87% $500 - Learn MoreShow Less

Loan Rates - February 23, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The First National Bank of Orwell

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The First National Bank of Orwell
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Branches

The First National Bank of Orwell branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


The First National Bank of Orwell Locations


Financial Details

The First National Bank of Orwell Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First National Bank of Orwell. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The First National Bank of Orwell U.S. Bank Average
22.56% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, The First National Bank of Orwell had $1,676,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,634,000 in equity and $795,000 in loans loss reserves. That gives it a Texas Ratio of 22.56%.

Return on Equity
The First National Bank of Orwell U.S. Bank Average
11.34% 9.72%

The First National Bank of Orwell has a Return on Equity of 11.34% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The First National Bank of Orwell U.S. Bank Average
8.8% 12.89%

The First National Bank of Orwell has a Capitalization of 8.8% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The First National Bank of Orwell Balance Sheet Analysis

As of September 30, 2019, The First National Bank of Orwell had assets of $75,372,000, loans of $66,172,000, and deposits of $68,550,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
LIABILITIES
Total deposits $0.07 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.07 billion
      % insured (estimated) 96.82%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The First National Bank of Orwell’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in Vermont, The First National Bank of Orwell has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 70.90
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.96
Small Business Loans 0.00
Construction and Development Loans 7.55
Commercial Real Estate 8.21
Commercial and Industrial Loans 5.34
Farm Loans 3.28

Frequently Asked Questions About The First National Bank Of Orwell

Branches and Savings

Is The First National Bank Of Orwell FDIC insured?

Yes. It is covered under FDIC Certificate #6280.

Why does The First National Bank Of Orwell pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The First National Bank Of Orwell CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The First National Bank Of Orwell a commercial bank?

Yes

Where are The First National Bank Of Orwell locations?

See branch locations nearby.

Is The First National Bank Of Orwell open on Saturdays?

Is The First National Bank Of Orwell open on Sundays?

What time does The First National Bank Of Orwell open?

What time does The First National Bank Of Orwell close?

Are The First National Bank Of Orwell ATMs Open 24/7?

Do The First National Bank Of Orwell ATMs accept cash deposits?

Can The First National Bank Of Orwell customers use other ATMs?

Do The First National Bank Of Orwell branches have notaries?

Will The First National Bank Of Orwell notarize my document?

What address for The First National Bank Of Orwell should I put for incoming ACH transfers?

Will the The First National Bank Of Orwell branch print checks?

Do The First National Bank Of Orwell checks expire?

Does The First National Bank Of Orwell require US citizenship to open account?

Can The First National Bank Of Orwell close my account?

Does The First National Bank Of Orwell Report to credit bureaus?

Does The First National Bank Of Orwell Use Equifax?

What is The First National Bank Of Orwell's ACH Routing Number?

What is The First National Bank Of Orwell's SWIFT code?

Products

Does The First National Bank Of Orwell offer mortgages?

Compare mortgage rates here.

Does The First National Bank Of Orwell offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First National Bank Of Orwell offer personal loans?

Compare personal loan rates here.

Does The First National Bank Of Orwell offer student loans?

Will The First National Bank Of Orwell cash a check?

Will The First National Bank Of Orwell redeem a savings bond?

Does The First National Bank Of Orwell cash savings bonds?

Will The First National Bank Of Orwell cash money orders?

Can The First National Bank Of Orwell issue a money order?

Does The First National Bank Of Orwell do currency exchange?

Background on The Bank

Who owns The First National Bank Of Orwell?

How long has The First National Bank Of Orwell been around?

Can The First National Bank Of Orwell transfer to other banks?

Does The First National Bank Of Orwell have quick pay?

Does The First National Bank Of Orwell accept rolled coins?

Will The First National Bank Of Orwell accept loose change?

Where is The First National Bank Of Orwell headquarters?

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