Northfield Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 17.38 percentage points in Q2 2026, from 138.54% to 155.92%. It was the largest change from Q1 2026 among the key lines here. Within Vermont, Northfield Savings Bank is 8th of 12 on return on assets, 0.82% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Northfield Savings Bank sits 0.45 points lower, at 0.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 9.95% |
| Tangible equity to tangible assets | 9.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.88% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 155.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 8.36% |
| Net interest margin | 3.16% |
| Efficiency ratio | 69.59% |
| Yield on earning assets | 4.57% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.80% |
| Core deposits to total deposits | 94.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.33% |
| Securities to assets | 19.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.46% | 0.16% | 2.48% | 0.46% | 0.01% |
| Q4 2023 | 10.22% | 0.04% | 2.40% | 0.46% | 0.01% |
| Q1 2024 | 10.10% | 0.26% | 2.30% | 0.44% | 0.00% |
| Q2 2024 | 10.45% | 0.31% | 2.33% | 0.20% | 0.01% |
| Q3 2024 | 10.30% | 0.28% | 2.36% | 0.22% | 0.00% |
| Q4 2024 | 10.30% | 0.36% | 2.48% | 0.51% | 0.00% |
| Q1 2025 | 10.21% | 0.22% | 2.50% | 0.69% | 0.00% |
| Q2 2025 | 10.36% | 0.41% | 2.62% | 0.72% | 0.01% |
| Q3 2025 | 10.36% | 0.46% | 2.75% | 0.82% | 0.06% |
| Q4 2025 | 10.23% | 0.48% | 2.88% | 0.63% | 0.01% |
| Q1 2026 | 10.70% | 0.61% | 3.00% | 0.63% | 0.01% |
| Q2 2026 | 10.96% | 0.82% | 3.16% | 0.56% | 0.00% |
Northfield Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northfield Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)