Northfield Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Compared with Q1 2026, Loans to total assets rose 0.57 percentage points in Q2 2026 to 73.19%, the biggest move on this page. Northfield Savings Bank ranks 5th of 12 Vermont banks on loan-to-deposit ratio, in the upper half at 86.80% (Q2 2026). At 86.80%, Northfield Savings Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.15B |
| Net loans and leases | $1.14B |
| Loans held for sale | $0 |
| Loans to total assets | 73.19% |
| Loan-to-deposit ratio | 86.80% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.43% |
| Multifamily (5+ residential) | 8.77% |
| Commercial and industrial | 8.10% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.98% |
| Construction concentration (Tier 1 capital + allowance) | 28.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.13% |
| Interest income on loans | $14.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.03B | $1.14B | 22.82% | 8.34% | 0.15% |
| Q4 2023 | $1.04B | $1.19B | 22.40% | 8.95% | 0.14% |
| Q1 2024 | $1.06B | $1.22B | 23.35% | 8.22% | 0.15% |
| Q2 2024 | $1.08B | $1.20B | 23.02% | 8.67% | 0.15% |
| Q3 2024 | $1.09B | $1.24B | 23.31% | 8.13% | 0.15% |
| Q4 2024 | $1.10B | $1.23B | 23.13% | 8.63% | 0.14% |
| Q1 2025 | $1.10B | $1.28B | 23.07% | 8.40% | 0.15% |
| Q2 2025 | $1.11B | $1.28B | 23.07% | 8.60% | 0.15% |
| Q3 2025 | $1.14B | $1.34B | 25.41% | 8.02% | 0.15% |
| Q4 2025 | $1.15B | $1.36B | 24.25% | 8.27% | 0.16% |
| Q1 2026 | $1.14B | $1.33B | 24.12% | 8.35% | 0.13% |
| Q2 2026 | $1.15B | $1.33B | 24.43% | 8.10% | 0.14% |
Northfield Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northfield Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northfield Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14140) · FFIEC NIC profile (RSSD 520003)