The Community Reinvestment Act (CRA) ensures that banks meet the credit and financial needs of the communities they serve. Banks are also required to keep a public file demonstrating how they meet these standards and how they have been evaluated in the past. National Bank of Middlebury is proud to be an active participant in the communities we serve. We currently have an “Outstanding” rating for CRA compliance. Below are the contents of our public file.

CRA Public File

All Written Comments Received by Public, current year and past two years that specifically relate to the bank’s performance in helping meet community credit needs and any response to the comments by the bank, if neither the comments nor the responses contain statements that reflect adversely on the good name or reputation of any persons other than the bank or publication of which would violate specific provisions by law.

  • No comments

The Public Disclosure issued by the Office of the Comptroller of the Currency dated August 23, 2021 is incorporated hereto.

2021 OCC CRA Performance Evaluation*

*This link opens a PDF. Click here to download Adobe PDF Reader.

  • List of Bank Branches, Street Addresses, and towns
  • List of Bank ATM Locations, Street Addresses, and towns
  • Branches Opened or Closed in past 24 Months
    • Closed: 5 Carver Street, Brandon, VT
    • Opened: 6 Park Street, Brandon, VT


Credit Services Offered


  • Conventional mortgages
  • Special mortgage loans for single-family dwellings, including programs with flexible underwriting standards for first-time homebuyers and low down payment loans with private mortgage insurance
  • Home equity lines of credit
  • Home improvement loans
  • Traditional second mortgages
  • Manufactured housing loan
  • Special financing programs through the Addison County Community Trust, Vermont Housing Finance Agency, Guaranteed Rural Housing Loans, Rural Development, Small Business Administration


  • Consumer loans including, but not limited to, car loans, personal loans, and revolving lines of credit
  • Energy efficiency or home improvements


  • Commercial loans to small and large businesses including, but not limited to, Small Business Administration loans, construction and long-term mortgage loans on commercial properties.
  • Special financing programs through USDA Rural Development, Small Business Administration, and loans made in cooperation with Vermont Economic Development Agency and Addison County Economic Development Corporation.
  • Municipal loans

Non-Credit Services Offered

  • Checking accounts with low fees and minimum balance requirements
  • Savings accounts with low fees and minimum balance requirements
  • Certificate of Deposits
  • Municipal Investment accounts
  • Money Market accounts
  • ATM access
  • Night Depository access
  • Telephone Banking
  • Digital and Mobile Banking
  • Bill Pay Service
  • Statements: electronic, paper, or combined
  • Debit Cards
  • Direct Deposit
  • Remote Deposit Capture Service (Commercial)
  • Mobile Deposit Capture
  • Investment Services through affiliate Community Financial Services Group, Inc. (CFSG) – Not FDIC insured
  • CDARS and ICS
  • Payroll Services through Paylocity
  • Safe Deposit Boxes
  • Cashier’s Checks/Money Orders
  • IRA Accounts
  • ACH Origination
  • Positive Pay
  • Mobile Wallet
  • Zelle money transfers
  • Wire transfers
  • Goal setting tools

All branches are subject to the Fee Schedule.*

*This link opens a PDF. Click here to download Adobe PDF Reader.

map of Vermont showing Chittenden, Addison, and Rutland counties highlighted in red

National Bank of Middlebury’s assessment area consists of geographies in Chittenden County, Addison County, and Rutland County Vermont.  See below for specific Census Tracts included.

Census Tract Number Town Name(s) Country
9601 Starksboro, Monkton Addison
9602 Ferrisburgh Addison
9603 Vergennes Addison
9604 New Haven, Addison, Weybridge, Panton, Waltham Addison
9605 Bristol Addison
9606 Lincoln, Ripton, Hancock, Granville, Goshen, E. Middlebury Addison
9607 Middlebury – east of Rt. 7 Addison
9608 Middlebury – west of Rt. 7 Addison
9609 Bridport, Shoreham, Orwell, Cornwall, Whiting Addison
9610 Salisbury, Leicester Addison
1 Burlington – Northwest Chittenden
2 Burlington – West Chittenden
3 Burlington – North central Chittenden
6 Burlington – – UVM Chittenden
8 Burlington Chittenden
9 Burlington Chittenden
10 Burlington Chittenden
11 Burlington Chittenden
21.01 Milton – West Chittenden
21.03 Milton – South Chittenden
22.01 Milton – East Chittenden
22.02 Colchester – East Chittenden
23.01 Colchester – Chimney Corner Chittenden
23.03 Colchester – West Chittenden
23.04 Colchester Chittenden
24 Winooski Chittenden
25.01 Winooski Chittenden
25.02 Winooski Chittenden
26.01 Essex Junction – W Chittenden
26.02 Essex Junction – E Chittenden
27.01 Essex – NW Chittenden
27.02 Essex – NE Chittenden
28 Jericho Chittenden
29 Underhill, Wesfort, Bolton Valley Chittenden
30 Richmond Chittenden
31.01 Williston Chittenden
31.02 S. Burlington Chittenden
33.01 S. Burlington Chittenden
33.04 Burlington – in lake Champlain Chittenden
34.01 Shelburne – East Chittenden
34.02 Shelburne – West Chittenden
35.01 Charlotte Chittenden
35.02 Hinesburg Chittenden
35.03 Huntington Chittenden
36 S. Burlington Chittenden
39 Burlington Chittenden
40.02 S Burlington Chittenden
41 Burlington Chittenden
42 Burlington – Northwest Chittenden
9800 Burlington Airport Chittenden
9621 Chittenden, Pittsfield Rutland
9622 Brandon Rutland
9623 Benson, Sudbury, Hubberton, West Haven Rutland
9624 Pittsford Rutland
9625 Proctor
9626 West Rutland Rutland
9627 Rutland – Killington Heights Rutland
9628 Shrewsbury, Killington Rutland
9630 Rutland – Central Rutland
9631 Rutland – Central Rutland
9632 Rutland – West Rutland
9633 Rutland – South Rutland
9634 Clarendon Rutland
9635 Ira, Tinmouth, Middletown Springs Rutland
9636 Castleton Rutland
9637 Fair Haven Rutland
9638 Poultney, Wells Rutland
9640 Wallingford, Mt. Holly Rutland
9642 Danby, Mt. Tabor Rutland
9643 Pawlet Rutland

Bank’s Loan-to-Deposit Ratio for Each Quarter of the Prior Calendar Year* and Additional Data on Its Loan-to-Deposit Ratio

Quarter Ending Net Loan & Leases/Deposits
3/30/23 65.79%
6/30/23 69.73%
9/30/23 69.38%
12/31/23 68.94%
*As reported in the Uniform Bank Performance Report.


In addition to direct loans, National Bank of Middlebury sells residential mortgage loans in the secondary mortgage market, including conventional loans to Federal National Mortgage Association (FNMA), Federal Home Loan Bank of Boston (Mortgage Partnership Finance program – MPF) and Vermont Housing Finance Agency (VHFA) whose mission it is to “finance and promote affordable, safe and decent housing opportunities for low- and moderate-income Vermonters.”

  • In 2022, 16 loans totaling $3.74MM were originated for sale, this did not include the five VHFA loans totaling $1.13MM.

National Bank of Middlebury also invests in housing projects through its community development activities, assisting low- and moderate- income families.  Investments of this nature are listed in the Public Disclosure document, dated August 23, 2021, found in this file.

A listing of reinvestment activities occurring after the date of the most recent Disclosure may be obtained from the Bank’s CRA Officer.

National Bank of Middlebury participates in several grants through the Federal Home Loan Bank of Boston to support low and moderate-income homeownership, and discounted financing for small businesses. Details of the grant, qualifications and number of awards are available upon request.

  • The Equity Builder Program (VHFA) – eligible low-income borrowers (below 80% median) may be awarded individual grants of up to $29,000 to be applied toward their down payment and/or closing costs when purchasing their first home.  National Bank of Middlebury has participated in this since program since 2004.
  • Housing our Workforce (VHFA) – eligible moderate income (80% – 120% median) borrowers can receive a two-to-one matching grant for down payment assistance up to $25,000.  National Bank of Middlebury has participated in this since program since its inception in 2019.
  • First Generation Home Buyer (VHFA) – eligible low-income borrowers (below 80% median) may be awarded individual grants of up to $15,000 to be applied toward their down payment and/or closing costs; eligible borrower could combine this with the VHFA Assist grants to receive up to $30,000 in total.  National Bank of Middlebury has participated in this since program since its inception in 2023.

Jobs for New England – offers discounted financing for eligible business loans that create or preserve jobs, expand women, minority, or veteran-owned businesses, or otherwise stimulates the economy in New England communities.   National Bank of Middlebury has participated in this since program since 2018.  In 2020 and 2021, this program included a grant component that NBM participated in.  We awarded thirty $5,000 grants to eligible small businesses in that two-year period.

The National Bank of Middlebury is required to report Home Mortgage Disclosure Act (HMDA) data.  The Bank’s HMDA Disclosure Statement may be obtained on the Consumer Financial Protection Bureau’s web site at