Northfield Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Northfield Savings Bank is an FDIC-insured savings bank headquartered in Northfield, VT, established in 1867 (FDIC certificate 14140), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.58B, up 1.0% from Q2 2025, the largest of 12 banks headquartered in Vermont. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14140
- Headquarters
- Northfield, VT
- Established
- 1867
- Total assets, Q2 2026
- $1.58B
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 10.96%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 211672683
- Latest call report
- Q2 2026, FFIEC 051 · Northfield Savings Bank call report
- Holding company
- NORTHFIELD BANCORP, INC.
- Asset rank in state
- 1st of 12 in Vermont
Northfield Savings Bank, based in Northfield, Vermont, reported $1.6 billion in assets at June 30, 2026, up 1.0% from a year earlier. It holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). On the other hand, it earns about $0.82 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
Earnings jumped: net income for the quarter was $3.2 million, 101% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.52% of loans, down from 0.67% a year earlier. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Northfield Savings Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 3.62%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Northfield Savings Bank is the largest of the 12 banks headquartered in Vermont. Quarter on quarter (Q1 2026 to Q2 2026), its total assets were flat, loans rose 0.8% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.3% of total loans, ahead of non-owner-occupied commercial real estate loans at 16.2%. Its 13 offices in the FDIC Summary of Deposits are in 12 cities in VT; its Montpelier office books 21% of its branch deposits. Judged on its Q2 2026 call report, Northfield Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 33 S Main St, Northfield, VT 05663
- County
- Washington
- Metro Area
- Barre, VT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- November 21, 1867
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 180
- Domestic deposits
- $1.33B
- Allowance for credit losses
- $10.1M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $1.57B
- Average total loans
- $1.15B
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 31, 1934
- FDIC Cert
- 14140
- Fed RSSD
- 520003
- Website
- www.nsbvt.com →
- Parent Holding Company
- NORTHFIELD BANCORP, INC. (RSSD 2934314)
- Ultimate Parent
- NORTHFIELD MHC (RSSD 2934305)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Northfield Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Northfield Savings Bank's total assets moved between a low of $1.45B (Q3 2023) and a high of $1.61B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.58B total assets against $1.56B; $1.42B total liabilities against $1.42B.
$1.14B net loans and leases against $1.10B; $1.33B total deposits against $1.28B.
$301.5M securities against $347.2M; $35.4M cash and balances due against $22.1M.
$17.0M total interest income against $15.6M; $5.3M total interest expense against $6.1M.
$11.7M net interest income against $9.5M.
$1.9M total noninterest income against $1.7M; $9.6M total noninterest expense against $9.3M.
$250K provision for credit losses against $240K.
$3.2M net income against $1.6M.
0.82% return on assets against 0.41%; 3.16% net interest margin against 2.62%.
10.96% tier 1 leverage ratio against 10.36%.
Inside the full Northfield Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNorthfield Savings Bank rankings
Its closest position to the top of a national ranking is 706 of 4,196, for total assets; its furthest is 851 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.22% (Q1 2025) to 0.82% (Q2 2026) and its net interest margin ran from 2.36% (Q3 2024) to 3.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.96% | 0.82% | 0.52% | 3.62% | 3.16% |
| Q1 2026 | 10.70% | 0.61% | 0.55% | 3.86% | 3.00% |
| Q4 2025 | 10.23% | 0.48% | 0.58% | 4.14% | 2.88% |
| Q3 2025 | 10.36% | 0.46% | 0.79% | 5.74% | 2.75% |
| Q2 2025 | 10.36% | 0.41% | 0.67% | 4.90% | 2.62% |
| Q1 2025 | 10.21% | 0.22% | 0.63% | 4.72% | 2.50% |
| Q4 2024 | 10.30% | 0.36% | 0.49% | 3.76% | 2.48% |
| Q3 2024 | 10.30% | 0.28% | 0.19% | 1.46% | 2.36% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Montpelier Branch | Montpelier , VT | 05602 | $274.6M |
| Barre Branch | Barre , VT | 05641 | $196.9M |
| Waitsfield Branch | Waitsfield , VT | 05673 | $147.3M |
| Northfield Savings Bank (main office) | Northfield , VT | 05663 | $128.9M |
| Waterbury Branch | Waterbury , VT | 05676 | $101.7M |
| Williston Branch | Williston , VT | 05495 | $88.1M |
| Williston Road South Burlington Branch | South Burlington , VT | 05403 | $79.8M |
| South Burlington Branch | South Burlington , VT | 05403 | $61.3M |
| Burlington Branch | Burlington , VT | 05401 | $61.2M |
| Pearl Street Essex Junction Branch | Essex Junction , VT | 05452 | $58.6M |
| Randolph Branch | Randolph , VT | 05060 | $56.2M |
| BethelRoyalton Branch | Bethel , VT | 05032 | $43.8M |
| Richmond Branch Office | Richmond , VT | 05477 | $31.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 7.0% of deposits in VT, rank 4 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 330 applications, 225 loans originated, $94.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.2M approved, $2.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northfield Savings Bank
What are Northfield Savings Bank's total assets?
As of the Q2 2026 filing, Northfield Savings Bank reported total assets of $1.58 billion in its FFIEC call report.
Where is Northfield Savings Bank headquartered?
It is headquartered in Northfield, VT, United States.
When was Northfield Savings Bank founded?
It was established in 1867, per the FDIC institution directory.
Is Northfield Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #14140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northfield Savings Bank?
Northfield Savings Bank's primary federal regulator is the FDIC.
How many branches does Northfield Savings Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northfield Savings Bank's Texas Ratio?
Its Texas Ratio is 3.62% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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