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Northfield Savings Bank

NORTHFIELD, VTLargeEst. Nov 21, 1867FDIC #14140RSSD #520003FDIC
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Headquartered in Northfield, Northfield Savings Bank serves the Vermont market as a community-focused commercial bank. On its most recent Q1 2026 call report, Northfield Savings reported $1.6B in total assets against $1.3B in deposits. Profitability runs below industry average — 0.61% ROA, 6.31% ROE, with NIM at 3.00%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.70% exceeds the 9% CBLR threshold. Asset quality is solid — 0.63% nonperforming loans and a 4.42% Texas Ratio. Northfield Savings operates a 13-branch network.

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
Fed District
2
Established
November 21, 1867
Branches
13 domestic
Employees (FTE)
179
FDIC Cert
14140
Fed RSSD
520003

Management

Senior officers at parent holding company — SEC Form 3/4/5 disclosures

NameRoleTitle
Klein Steven MCOOPresident & COO
Alexander John WadeCHRChairman & CEO
Assets
$1.6B
Deposits
$1.3B
Loans
$1.1B
Equity
$153M

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Quarterly trend — last 6 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2026-03-310.61%0.63%4.42%3.00%
2025-12-310.48%0.63%4.48%2.88%
2025-09-300.46%0.82%6.00%2.75%
2025-06-300.41%0.72%5.25%2.62%
2025-03-310.22%0.69%5.10%2.50%
2024-12-310.36%0.51%3.93%2.48%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

BranchLocationZIPDeposits
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Frequently asked about Northfield Savings Bank

What are Northfield Savings Bank's total assets?

As of the Q1 2026 filing, Northfield Savings Bank reported total assets of $1.58 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is Northfield Savings Bank headquartered?

Northfield Savings Bank is headquartered in NORTHFIELD, VT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was Northfield Savings Bank founded?

Northfield Savings Bank was established in 1867, per the FDIC institution directory.

Is Northfield Savings Bank FDIC-insured?

Yes. Northfield Savings Bank is an FDIC-insured commercial 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.

How many branches does Northfield Savings Bank operate?

Northfield Savings Bank operates 13 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is Northfield Savings Bank's Texas Ratio?

Northfield Savings Bank's Texas Ratio is 4.42% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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