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BDI
LB

Ledyard National Bank

Norwich, VermontFDIC Cert #33418

OCCEstablished 199110 branches

Holding company: LEDYARD FINANCIAL GROUP INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.33%
+278.2%y/y
Peer standing53rd percentile
Peer standing in ubpr:primary:4
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + LNLSGR
Nonaccrual %
0.21%
+3.3%y/y
Peer standing69th percentile
Peer standing in ubpr:primary:4
FDICNAASSET + LNLSGR
Noncurrent %
0.21%
+3.3%y/y
Peer standing74th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.14%
+8.6%y/y
Peer standing78th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.43M
+16.2%y/y
Peer standing83rd percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
−45.0%y/y
Peer standing56th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + LNLSGR
NCO
$12K
−33.3%y/y
Peer standing60th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.73%
+6.4%y/y
Percentile by value7th percentileby value
Peer standing in ubpr:primary:4
FDICLNATRES + LNLSGR
30–89
$2.24M
+325.5%y/y
Peer standing64th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET
Nonaccrual
$1.43M
+16.2%y/y
Peer standing77th percentile
Peer standing in ubpr:primary:4
FDICNAASSET