Compared with Vermont
8 of 9
compared fees are above the median.
1 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
55th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Vermont median
of 9 compared; 1 below, 0 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for The National Bank of Middlebury at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Vermont median | Published fees above the Vermont median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The National Bank of Middlebury's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (55th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $133K in Q2 2026, 3.9% above the same quarter a year earlier ($128K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 9 compared published fees sit above the Vermont median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Vermont medians for fees published by banks and credit unions.
Cashier's Check
Stop Payment
Paper Statement
Each amount links to the fee schedule it was read from. Medians for Vermont, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 2.9% from Q3 2025 to Q2 2026, to $133K. Its share of revenue, 2.2%, is above the 2.1% median for banks with $300M to $1B in assets.
$133K
The National Bank of MiddleburyMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
The National Bank of Middlebury · $554M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The National Bank of Middlebury(this institution) | Middlebury, VT | $554M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of the Flint Hills | Wamego, KS | $545M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Belgrade State Bank | Belgrade, MO | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central State Bank | State Center, IA | $558M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank of Kansas | Kingman, KS | $548M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastern Michigan Bank | Croswell, MI | $554M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank | West Memphis, AR | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Milford Federal Bank | Milford, MA | $545M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mound City Bank | Platteville, WI | $551M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Valley Bank | Walden, CO | $557M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank | Dodge, NE | $552M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwestern Mutual Wealth Management | Milwaukee, WI | $558M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Community Bank | Ravenna, OH | $552M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Capital Bank | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Silver Lake Bank | Topeka, KS | $548M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Cooperative Bank | Roslindale, MA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Point Bank | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.24 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
The National Bank of Middlebury does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for The National Bank of Middlebury (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $133K | +$4K | +3.1% |
| Q1 2026 | $129K | $0 | 0.0% |
| Q4 2025 | $129K | −$8K | −5.8% |
| Q3 2025 | $137K | +$9K | +7.0% |
| Q2 2025 | $128K | +$3K | +2.4% |
| Q1 2025 | $125K | −$6K | −4.6% |
| Q4 2024 | $131K | +$3K | +2.3% |
| Q3 2024 | $128K | −$6K | −4.5% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, The National Bank of Middlebury left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The National Bank of Middlebury by share.
Amounts from The National Bank of Middlebury’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early closure fee (closed within one year) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account status (balances < $500.00) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research | $24Not compared: Charged per hour; comparison unavailable | per hour | None |
| Checkbook balancing (minimum $6.00) | $24Not compared: Charged per hour; comparison unavailable | per hour | None |
| eStatements and combined statements (paper statements available | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
ATM & Card | |||
| Replacement debit card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check | $12Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order | $12Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian check processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Returned deposit item: From customer’s other bank | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary service | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 1.5 x 5 x 22 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 x 22 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 x 22 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 x 22 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe deposit box: drilling | $225Not compared: Box drilling or key fee | Not stated | None |
| IRS levy | $60Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The National Bank of Middlebury operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $500.2M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $483.2M |
| 1 | $17.0M |
Burlington-South Burlington, VT
0.2% of bank deposits, #14 of 15, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 28.8% |
| TD Bank, National Association | 26% |
| KeyBank National Association | 10.5% |
| Community Bank, National Association | 8.7% |
| Citizens Bank, National Association | 5.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Burlington-South Burlington, VT, The National Bank of Middlebury holds 0.2% of bank deposits, #14 of 15, with 1 office.
93 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 15 institutions shown. $8.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.2% share, 1 office, #14 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
23 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.