Northfield, VT · Cert 14140 · Northfield MHC
SI · FDIC · 13 branches
Q2 2026
Market Position · Burlington-South Burlington, VT · 2026 SOD (annual) · 4.6% share · #6 of 15 inst. · $0.4B of $8.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.37% | 0.40% | 0.60% | 0.71% | +39 bps | |
| Return on Equity | 3.60% | 4.08% | 4.39% | 6.31% | 7.33% | +374 bps | |
| Net Interest Margin | 2.37% | 2.42% | 2.44% | 2.81% | 2.90% | +53 bps | |
| Efficiency Ratio | 86.38% | 84.68% | 82.57% | 76.76% | 73.51% | -1,287 bps | |
| Non-Interest Burden | 1.99% | 1.99% | 1.94% | 2.06% | 2.01% | +2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.14% | 3.94% | 3.35% | 1.32% | 1.01% | -312 bps | |
| Loan Growth (YoY) | 2.66% | 4.62% | 4.25% | 4.27% | 4.42% | +175 bps | |
| Deposit Growth (YoY) | 6.85% | 8.52% | 10.46% | 3.50% | 3.79% | -306 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.79% | 0.58% | 0.55% | 0.52% | -15 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.81% | 0.79% | 0.85% | 0.87% | 0.88% | +7 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.0x | 1.5x | 1.6x | 1.7x | +0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.36% | 10.36% | 10.23% | 10.70% | 10.96% | +61 bps | |
| Total Risk-Based Capital | 10.36% | 10.36% | 10.23% | 10.70% | 10.96% | +61 bps | |
| Equity / Assets | 9.14% | 9.31% | 9.44% | 9.73% | 9.95% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.28% | 85.04% | 84.17% | 86.25% | 86.80% | +52 bps | |
| Liquid Assets / Assets | 0.37% | 0.97% | 1.56% | 0.21% | 1.37% | +100 bps | |
| CRE / Total Capital | n/a | 257% | 257% | 251% | n/a | n/a | |