Northfield Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northfield Savings Bank of Northfield, VT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.82% | 1.44% | -0.62% | 19th bottom |
| ROAE | 8.36% | 12.51% | -4.15% | 22nd bottom |
| Net Interest Margin | 3.16% | 3.84% | -0.68% | 20th bottom |
| Efficiency Ratio | 69.59% | 58.86% | +10.73% | 21st bottom |
| PPNR / Avg Assets | 1.02% | 1.78% | -0.76% | 16th bottom |
| Yield on Earning Assets | 4.57% | 5.72% | -1.15% | 9th bottom |
| Cost of Funds | 1.50% | 2.03% | -0.53% | 80th top |
| Net Interest Spread | 2.70% | 3.18% | -0.48% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.56% | 0.96% | -0.40% | 54th above |
| NPA / Total Assets | 0.41% | 0.75% | -0.34% | 56th above |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 71st above |
| ACL / Total Loans | 0.88% | 1.25% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) | 155.92% | 699.44% | -543.52% | 45th below |
| Texas Ratio | 3.88% | 7.16% | -3.28% | 57th above |
| Provision / NCO | 1093.75% | 814.15% | +279.60% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.96% | 11.60% | -0.64% | 60th above |
| Equity / Assets | 9.95% | 11.33% | -1.38% | 42nd below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.95% | 10.65% | -0.70% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 86.80% | 86.35% | +0.45% | 54th above |
| Core Deposit Ratio | 94.37% | 85.55% | +8.82% | 81st top |
| Uninsured Deposit Ratio | 18.05% | 32.73% | -14.68% | 87th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.48% | 5.45% | -0.97% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.01% | 10.47% | -9.46% | 21st bottom |
| Loan Growth (Y/Y) | 4.42% | 8.00% | -3.58% | 43rd below |
| Deposit Growth (Y/Y) | 3.79% | 7.98% | -4.19% | 43rd below |
See Northfield Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northfield Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northfield Savings Bank profile, how to read a UBPR, or how this data updates.