Northfield Savings Bank
Northfield, VT · Cert 14140 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Northfield MHC
SI · FDIC · 13 branches
Q2 2026
$1.6BAssets
$1.2BLoans
$1.3BDeposits
$156.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 79% of banks $1B-$10B in assets operating in a single state (rank 55 of 258).
- Widest gap: return on assets trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.72%
Rank 226 of 258
Net Interest Margin
2.90%
Rank 217 of 258
Efficiency Ratio
73.51%
Rank 214 of 257
Equity / Assets
9.95%
Rank 143 of 258
Non-interest income vs. expense
Unfavorable gap of $31.7M · efficiency ratio beats 17% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.93% | 1.23% | 1.54% | Beats 12% | 226 / 258 | |
| Return on Equity | 7.21% | 9.26% | 11.84% | 14.74% | Beats 15% | 220 / 258 | |
| Net Interest Margin | 2.90% | 3.16% | 3.49% | 3.88% | Beats 16% | 217 / 258 | |
| Efficiency Ratio | 73.51% | 51.71% | 60.30% | 69.65% | Beats 17% | 214 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.19% | 0.46% | 0.90% | Beats 42% | 150 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 79% | 55 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.96% | 11.41% | 12.98% | 15.12% | Beats 21% | 205 / 258 | |
| Total Risk-Based Capital Ratio | 10.96% | 12.10% | 13.91% | 16.08% | Beats 16% | 217 / 258 | |
| Equity / Assets | 9.95% | 9.09% | 10.24% | 11.72% | Beats 45% | 143 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 86.80% | 73.24% | 86.34% | 95.95% | 52nd pctl | 123 / 258 | |
| Loans / Assets | 73.19% | 63.01% | 72.27% | 78.40% | 53rd pctl | 121 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |