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First National Bank of Orwell

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First National Bank of Orwell Rates & Review September 2026

Item: First National Bank of Orwell
Rating: 2040
Author: Fvwa

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

First National Bank of Orwell rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.88%, 6-month CD rates at 2.73% and 3-month CD rates at 2.57%. Savings rates are at 0.84% and money market rates are at 1.15%. Mortgage rates on 30-year fixed loans are around 6.75%. These rates come from our rate database, not First National Bank of Orwell, and you can see how they compare in the First National Bank of Orwell rate tables below. MonitorBankRates evaluates the financial stability of First National Bank of Orwell with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.81%. Database rates last updated and verified on 09/10/2026.

First National Bank of Orwell money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First National Bank of Orwell? Share your experience about First National Bank of Orwell by leaving a review below, or read customer reviews before you decide to use First National Bank of Orwell.

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

17.81%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The First National Bank of Orwell

441 Main St
Orwell, VT 05760

https://www.fnborwell.com

Current Rate Availability

We're not currently displaying rates for First National Bank of Orwell, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

First National Bank of Orwell’s Texas Ratio rose from 10.15% in Q3 2023 to 17.81% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.8 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$92M	17.81%	4.8	B+
March 31, 2026	$90M	12.06%	5.0	A
December 31, 2025	$88M	12.07%	5.0	A
September 30, 2025	$90M	14.04%	5.0	A-
June 30, 2025	$88M	14.62%	5.0	A-
March 31, 2025	$88M	14.19%	5.0	A-
December 31, 2024	$88M	16.62%	4.9	A-
September 30, 2024	$86M	11.40%	5.0	A
June 30, 2024	$81M	12.60%	5.0	A
March 31, 2024	$78M	13.80%	5.0	A
December 31, 2023	$79M	10.20%	5.0	A
September 30, 2023	$81M	10.15%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First National Bank of Orwell is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank of Orwell rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First National Bank of Orwell's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank of Orwell

FDIC Certificate # 6280

Address 441 Main St, Orwell, VT 05760 · Addison

Website https://www.fnborwell.com

Established 18630101

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

4.8

Excellent Out of 5.0 Stars

17.81%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4864%

Return on Equity (ROE) 12.8700%

Non-Performing Loans (NPL) 1.73%

Total Assets $91,503,000

Total Deposits $80,526,000

Equity Capital $10,446,000

Net Income $667,000

Headquarters Orwell

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

Fvwa

★★★★★

December 17, 2025

afwr

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About First National Bank of Orwell

How many branches does First National Bank of Orwell operate?

First National Bank of Orwell currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank of Orwell does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank of Orwell provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank of Orwell offer online and mobile banking?

Most modern institutions like First National Bank of Orwell provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fnborwell.com.