Where is your bank’s headquarters? Ours is here; decisions are made here and we are committed to our neighbors and our local businesses. National Bank of Middlebury combines exceptional service with the latest technology for business banking. We offer account options for large and small businesses designed to meet your needs and goals with competitive rates, low fees and easy access. NBM is one of the leading commercial loan institutions in the market. Our business electronic banking products let you bank when it is convenient for you.


Why do your business banking with NBM?

Local Decision Making

Today many banks are part of huge conglomerates. Decisions that affect your business may be made thousands of miles away. But, that’s not us. We serve west central Vermont and we are right here with you, every step of the way. We know our customers; if you have a question about a decision, you can actually come see someone to discuss it.

Commitment to Local Investment

It’s not just a philosophy it’s a fact. National Bank of Middlebury is dedicated to working with its Local Lending Partners to help fund small businesses in our communities. Together, working with Addison County Economic Development Corporation, Small Business Development Center, United States Small Business Administration, United States Rural Development Loan Fund, Vermont Economic Development Authority and Center for Women & Enterprise, we provide enhancements and opportunities for loan relationships.

Products to Support All Types and Sizes of Business

Big or small, we have products and services to meet your simple or complex needs. Vermont has over 70,000 small businesses that comprise 96% of all employers. We understand the challenges of running a small business and have a wide variety of products to help you succeed. And, for larger businesses, we offer the state-of-the-art technology and financial solutions you can expect from your financial institution.

Working together to build our local economy

We are dedicated to serving and strengthening all aspects of our communities’ financial vitality, and strive to support the individuals, organizations and businesses that are our communities’ economic backbone. Here are a few examples of local projects we have had the honor to be involved in.


Optimal Energy in Hinesburg

Founded in 1996, Optimal Energy in Hinesburg provides a full range of energy efficiency consulting and specializes in assessing, developing, designing, planning and launching energy efficient programs that address the needs of stakeholders in a balanced fashion. We were pleased to be part of a relocation project that equipped their facility with LED lighting and occupancy sensors throughout and that helped execute a 7.2kW solar PV array that provides the majority of the building’s electricity needs.

“We have been dealing with NBM for our entire 20 year history as we have grown from four employees to 14 and into two locations. At every step of the way, NBM has been ready to help with advice on real estate and business lending and support.” – Eric Belliveau, Partner


Claybrook at Vergennes

Claybrook at Vergennes is thoughtfully planned, beautiful, affordable community housing within walking distance of Vergennes downtown.

“I want to express thanks for a great year working with National Bank of Middlebury. You made what is normally a complicated loan process straight-forward and efficient. The speed in which we obtained our loan enabled us to start infrastructure in the spring and make sales in the summer and fall. Activity at the Claybrook at Vergennes project is strong and we are looking forward to a productive 2017.”


Bristol Fire Station

We are pleased to have been a part of building a new Bristol Fire Station.

“The much revered old station was built in 1897 and was literally crumbling. The new Bristol Fire Department building has been designed to meet the needs of the community for the next 100 years and will house all the apparatus and operations in one place. It will be a safer, healthier work environment for firefighters and will have handicapped accessibility for the public.” – Therese Kirby, Bristol Town Administrator


The Congregational Church of Middlebury (UCC)

The Congregational Church of Middlebury (UCC) was completed in 1809 at a cost of $9,000. It is considered architect Lavius Fillmore’s masterpiece. It is a vital, evolving symbol of community outreach and inclusion in the heart of Middlebury Village.

“It is a pleasure to have a local bank work with us on a project that is intended to welcome one and all. Our expansion will not only increase our space, it will also increase space for the Charter House Coalition and their needs.”


Lawes Ag in Brandon

One of the first things that comes to mind when you say ‘Vermont’ is agriculture. Agriculture is more than farms; it also includes businesses that support farms. Lawes AG has been serving the agricultural needs of Vermont, Eastern New York and Western New Hampshire since 1986. NBM was pleased to be part of their project to install solar panels on their facility in Brandon.

“National Bank of Middlebury is very easy to work with and willing to go the extra mile to understand our business and structure financing to meet our needs.”