Bank Comparison
Community National Bank vs Northfield Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| CET1 Ratio | 14.36% | — |
| Tier 1 Capital Ratio | 14.36% | — |
| Total Capital Ratio | 15.62% | — |
| Tier 1 Leverage Ratio | 10.19% | 10.70% |
| Equity / Assets | 10.44% | 9.73% |
Profitability
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 0.61% |
| Return on Equity (ROE) | 14.85% | 6.31% |
| Net Interest Margin (NIM) | 3.77% | 3.00% |
| Yield on Earning Assets | 5.38% | 4.45% |
| Cost of Funds | 1.73% | 1.53% |
Asset quality
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| Texas Ratio | 6.08% | 4.42% |
| Non-Performing Loan Ratio | 0.73% | 0.63% |
| Non-Performing Asset Ratio | 0.58% | 0.46% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.15% | 0.87% |
Balance sheet
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| Total Assets | $1,234M | $1,576M |
| Total Deposits | $1,019M | $1,327M |
| Total Loans | $985,030K | $1,144M |
| Total Equity | $128,868K | $153,358K |
| Net Income (quarter) | $4,721K | $2,408K |
Liquidity & funding
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.65% | 86.25% |
| Core Deposit Ratio | 94.91% | 94.10% |
| Uninsured Deposit Ratio | 23.01% | 17.58% |
Identity
| Metric | Community National Bank | Northfield Savings Bank |
|---|---|---|
| Headquarters City | DERBY | NORTHFIELD |
| Headquarters State | VT | VT |
| Asset Tier | Large | Large |
| Charter Class | 1368 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 13 |
| Employees (FTE) | 127 | 179 |
| Established | Jan. 15, 1851, midnight | Nov. 21, 1867, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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