NORTHFIELD SAVINGS BANK

NORTHFIELD, VT | Large | Est. Nov. 21, 1867, midnight | FDIC #14140 | RSSD #520003 | FDIC
Latest Report: 2025-12-31

NORTHFIELD SAVINGS BANK is aln large FDIC-insured commercial bank headquartered in NORTHFIELD, VT, established in Nov. 21, 1867, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.4B. Profitability stands at 0.49% ROA and 5.25% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 9.43%. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 4.14%. FDIC Certificate #14140.

Assets

$1.6B

Deposits

$1.4B

Loans

$1.1B

Equity

$152M

Profitability

Return on Assets (ROA) 0.49%
Return on Equity (ROE) 5.25%
Net Interest Margin (NIM) 2.96%
Yield on Assets 4.62%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio 0.02%
Texas Ratio 4.14%
NPA Ratio 0.42%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 9.43%
Tier 1 Capital 9.43%
Total Capital Ratio 9.91%
Leverage Ratio 10.23%
Loan-to-Deposit 84.17%

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