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Northfield Savings Bank

$1B-$10B Specialty: Commercial VT FDIC cert 14140

Designations: ✓ Community bank

Northfield, VT

13 branches across VT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in VT.
  • Deposits +3.8% year over year ($1.3B on the books).
  • Delinquency rate 0.53%.
  • Return on assets 0.71%.
  • Efficiency ratio 73.51% vs a 59.73% peer average.
  • Loan-to-deposit ratio 86.04% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in VT
View $1B-$10B leaderboard (VT) →

Northfield Savings Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 17.1% in tier
  • - Flatlined Growth: Bottom 26.5% in tier
  • - ROA 0.68% below tier average
  • - Net Interest Margin 0.79% below tier average
  • - Efficiency Ratio 13.79% above tier average
Get updates when Northfield Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Total Assets ? $1.6B
+1.0% YoY +0.0% QoQ
-$1.2B $2.8B
-0.6% YoY
$744.2M
+4.9% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $1.1B
+4.3% YoY +0.8% QoQ
-$819.4M $2.0B
-0.3% YoY
$538.3M
+6.1% YoY
$3.2B
+9.4% YoY
40%
Total Deposits ? $1.3B
+3.8% YoY +0.2% QoQ
-$989.3M $2.3B
-0.5% YoY
$606.0M
+4.8% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 0.71%
+123.0% YoY +17.7% QoQ
-0.68% 1.39%
+17.0% YoY
0.88%
+34.8% YoY
1.30%
+12.1% YoY
Bottom 14.1% in tier
Net Interest Margin ? 3.09%
+19.6% YoY +3.1% QoQ
-0.79% 3.87%
+6.2% YoY
3.60%
+8.7% YoY
3.95%
+4.9% YoY
18%
Efficiency Ratio ? 73.51%
-14.9% YoY -4.2% QoQ
+13.79% 59.73%
-12.6% YoY
75.18%
-3.3% YoY
70.05%
+2.5% YoY
Bottom 14.9% in tier
Delinquency Rate ? 0.53%
-22.2% YoY -5.0% QoQ
-0.34% 0.87%
+11.7% YoY
0.71%
+15.5% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 86.04%
+0.5% YoY +0.6% QoQ
+1.00% 85.04%
-0.1% YoY
86.19%
+1.4% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 20.74%
+4.0% YoY +4.7% QoQ
-0.53% 21.27%
-1.5% YoY
20.51%
+3.2% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.38%
-19.6% YoY -4.2% QoQ
-0.29% 0.67%
+11.7% YoY
0.60%
+14.2% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 10.96%
+5.9% YoY +2.5% QoQ
-3.88% 14.84%
-0.4% YoY
14.99%
+1.6% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.23%
+10.8% YoY +115.0% QoQ
-0.30% 0.53%
+2.5% YoY
0.33%
-3.2% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Noninterest-Bearing 20.7%
+0.8pp YoY
+0.9pp QoQ
 -0.6pp 21.4% 20.5% 22.2% 55%
Brokered Deposits n/a n/a 9.5% 6.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
C&I 8.2%
-0.5pp YoY
-0.3pp QoQ
 -5.8pp 14.0% 7.7% 12.5% 35%
CRE 38.0%
+2.5pp YoY
+0.6pp QoQ
 -12.0pp 50.0% 36.8% 41.4% 20%
1-4 Family 51.8%
-1.9pp YoY
0.0pp QoQ
 +25.3pp 26.4% 53.7% 31.3% 91%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 2.2% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.8% 19.7% n/a
Leverage Ratio 11.0%
+0.6pp YoY
+0.3pp QoQ
 -0.4pp 11.3% 10.7% 12.6% 59%
Total Capital Ratio n/a n/a 16.7% 16.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Full-Time Employees 180
+3 (+1.7%) YoY
+1 (+0.6%) QoQ
 -134 313 99 482 34%
Assets per Employee ($) $8.8M
-0.7% YoY
-0.5% QoQ
 -$1.7M $10.5M $7.4M $8.8M 51%
Branch Count 13
0 YoY
0 QoQ
 -7 20 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.7% 1.0% 51%
Allowance Coverage 1.67x
+39.3% YoY
+5.4% QoQ
 -17.04x 18.71x 2.58x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
ROE 7.3%
+3.7pp YoY
+1.0pp QoQ
 -5.3pp 12.6% 9.1% 11.6% 17%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.5pp 1.9% 1.6% 1.7% 20%
Net Income ($, YTD) $5.7M
+127.2% YoY
— QoQ
 -$13.6M $19.2M $3.5M $40.4M 15%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#39 of 222 • Bottom 17.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.96%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#44 of 162 • Bottom 26.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.71%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

761
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.39%
#761 of 885 Bottom 14.1% in $1B-$10B
754
Efficiency Ratio
profitability
Value: 73.51%
Peer Median: 59.73%
#754 of 885 Bottom 14.9% in $1B-$10B
734
Tier 1 Capital Ratio
capital
Value: 10.96%
Peer Median: 14.84%
#734 of 885 Bottom 17.2% in $1B-$10B
727
Net Interest Margin
profitability
Value: 3.09%
Peer Median: 3.87%
#727 of 885 Bottom 18.0% in $1B-$10B
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