BlastPoint's Banking Scorecard
Northfield Savings Bank
Designations: ✓ Community bank
Northfield, VT
13 branches across VT
Northfield Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 13.6% in tier
- - Flatlined Growth: Bottom 20.7% in tier
- - ROA 0.76% below tier average
- - Net Interest Margin 0.83% below tier average
- - Efficiency Ratio 15.70% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+1.3% YoY
-2.1% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$743.5M
+4.5% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$1.1B
+4.2% YoY
-0.3% QoQ
|
-$830.2M |
$2.0B
+0.6% YoY
|
$533.5M
+5.7% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$1.3B
+3.5% YoY
-2.6% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$610.4M
+4.0% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.60%
+168.6% YoY
+51.9% QoQ
|
-0.76% |
1.37%
+19.6% YoY
|
0.81%
+21.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.6% in tier |
| Net Interest Margin ? |
2.99%
+17.5% YoY
+10.1% QoQ
|
-0.83% |
3.82%
+6.9% YoY
|
3.55%
+8.5% YoY
|
3.89%
+5.7% YoY
|
17% |
| Efficiency Ratio ? |
76.76%
-14.4% YoY
-7.0% QoQ
|
+15.70% |
61.06%
-4.6% YoY
|
76.06%
-2.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate ? |
0.56%
-13.2% YoY
-5.7% QoQ
|
-0.33% |
0.89%
+14.1% YoY
|
0.54%
-9.4% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
85.49%
+0.7% YoY
+2.4% QoQ
|
+1.29% |
84.20%
+0.3% YoY
|
85.29%
+3.0% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
19.81%
+0.7% YoY
+2.0% QoQ
|
-1.47% |
21.29%
-2.5% YoY
|
19.30%
-2.0% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.40%
-10.8% YoY
-3.9% QoQ
|
-0.27% |
0.67%
+15.6% YoY
|
0.47%
-6.9% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
10.70%
+4.8% YoY
+4.6% QoQ
|
-4.46% |
15.16%
+2.0% YoY
|
15.07%
+1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
+6.9% YoY
-76.5% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.16%
-5.6% YoY
|
0.32%
+4.1% YoY
|
35% |
Get Full Access to Northfield Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.