# RANDOLPH NATIONAL BANK
RANDOLPH, VT · FDIC certificate 6281 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $169.8M | |
| Deposits | $152.4M | |
| Loans and leases | $132.5M | |
| Total equity | $14.1M | |
| Loans / deposits | 86.05% (p81 of band) | 69.26% |
| Liquid assets / assets | 18.21% (p13 of band) | |
| Uninsured deposits / deposits | 5.89% (p19 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.85% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.84% (p8 of band) | 10.33% |
| Unrealized securities loss / equity | -0.55% (p50 of band) | -0.53% |
| AOCI / equity | -0.23% (p80 of band) | |
| ROA (annualized) | -0.07% (p9 of band) | 0.77% |
| Net interest margin | 4.30% (p83 of band) | 3.62% |
| Efficiency ratio | 98.36% (p91 of band) | |
| Noncurrent loans | 2.81% (p78 of band) | 1.08% |
| Net charge-offs (annualized) | 0.23% (p77 of band) | |
| Reserve coverage of noncurrent | 36.15% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 16.69% (p52 of band) | |
| Auto loans | $1.0M (0.79% of loans; DQ 7.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | uninsured deposits leaving |  |
| 2013-09 | 4 | capital falling, losing money, expense ratio p90 | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [Scott Cooper - The White River Valley Herald](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1FTUc1YldoZU9fNWw2eWZVQXQtTlFPT3FEMURHbXB3a0sybDJmU3ZRVWdBTGRjekNJOElFOEwzT1BTWjJKSkRqT3R6aW9zaW5oOGcxMUJtS2JWR0ZO?oc=5) · The White River Valley Herald
- 2018-04-23 [Lake Sunapee Bank hires new commercial loan officer for Randolph area - Vermont Business Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVFgxbDRyM05hS2lGNUljN203cVdQcE5MU3BFc0JXYWM2RjBhVm96Zm5HMjBUZ3FRUUo5a0dWWFJvM3hNdXhXczJGUmhVMFhUcmxPamhhMHhRbC1RdjY3bVpiY0JvSzNmNEx4MGZwaDh3TlhXRTBINUlBNVZRbzhZMjFQN1dGaVo5elVJeFpoQ2lBTFRJekQ1bFZrQkVPcGlfb0pJ?oc=5) · Vermont Business Magazine
- 2025-07-15 [Raymond Earl Gray Obituary Jul 15, 2025 - dayfunerals.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFA4eXFyemF1UDdEWUJkSTZBME1rajhpc1FrUy1VcFJxQkNscU1GSnctZk5kWXN0REdnOHNyT242b2JGRDBNeGNWUXRjcjVXdHhkZDhEalVQUWM5aVFHS2c?oc=5) · dayfunerals.com
- 2013-04-11 [RNB To Be Sold to Sunapee Bank - The White River Valley Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE5ZaXc5YVpzbjd0Tlpydm94Qnd2QzhmRS14eTlsc0NPUFY2ak5IMUxVRjRJNlR2c2FTeWFZdUlVTUlFTXB2SWZTa1JHR2YtT2ZCMUVkTTMyaXc5ZXFaNFZzSHRkb0ExOXhkbDFkRHhWVzZObERL?oc=5) · The White River Valley Herald
- 2007-10-04 [Randolph National’s Dimick Is Banker of the Year - The White River Valley Herald](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNZS0wYmkzZUpRbG5oX2VPYXlhVFdMMzJVMG9xUFdJVk1GNTJPdGdJaFVxdnU5dHNMNHdqNFQ2b21fbnBFazMtbEU1OHJBY1BjWWVJMWU3cVZYeGt3b09QOTBsaFZiWUw2Q05hNERGRDU2S2ZVa1J4cjJESjNLUE5QMUNGeDA3ak1pRVJR?oc=5) · The White River Valley Herald
- 2005-09-01 [Randolph Randolph’s Randolph Connection - The White River Valley Herald](https://news.google.com/rss/articles/CBMif0FVX3lxTE1pTVUzU1kwaGxTVWZUcWo1QlBCNlpCY3daMEE4cVl3Q2V1UXpGaGVqd0UyZ3NCblE2YXFURjBWZWhteGdkN1Vxc1NmNEQ0eXZGQllMWlZ3S0Z3eXQ0aWxaUXJYNGtXZmh5Zlo2ZHhua1JzZVppSE5PWWk2Y0trcEE?oc=5) · The White River Valley Herald
- 2005-03-31 [Centennial Awards Presented Randolph Has Aging Bank and Newspaper - The White River Valley Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxQRHVaWVVBaFl1NlZfQ3czOEgwTFZRMVJlZThwbHIyX1d1ZHowS0JvYzhJYW81MEpVMXFyZUlPM25XNG5BMEhveWN0X052RUpzOVVzLUV5T2w5akd4Wk5CTVpURGlCVnlKYWFZVDgtMmt5RW8zd3dkUUczOTk1N2xLWXFMWTQ2cHZQN1RIRGFrWEU1dG5kUUtQemVaamlleXpnaF9B?oc=5) · The White River Valley Herald
- 2001-08-30 [Sheldon M. Dimick - The White River Valley Herald](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1oOHJRZnd2VkI1OUtMNWZvTFd5azc1RXd5R0hyWlRlN3NPdnJjR25nTXJQT0tjZ0tjY252Q1g2MHhQWUhmZHVDYTRJcnhnMUp4Tk5BYS1aWlNpcXItWEVKRUt3?oc=5) · The White River Valley Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6281 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "6281", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide