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Northfield Savings Bank

Northfield, VermontFDIC Cert #14140

STATEEstablished 186713 branches

Holding company: NORTHFIELD MHCRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Northfield Savings Bank reported $1.58B in total assets. Deposits grew 3.50% over the prior year.

Return on assets was 0.60%, compared with the official FFIEC UBPR peer median of 0.75%. The leverage ratio was 10.70%.

  • Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
  • Why is Total Assets below its official FFIEC UBPR peers?
  • Why is Efficiency Ratio above its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$1.58B
+1.3%y/y
Percentile by value37th percentileby value
Peer standing in ubpr:primary:101
FDICASSET
Deposits
$1.33B
+3.5%y/y
Percentile by value40th percentileby value
Peer standing in ubpr:primary:101
FDICDEP
Net loans
$1.13B
+4.2%y/y
Percentile by value37th percentileby value
Peer standing in ubpr:primary:101
FDICLNLSNET
ROA
0.60%
+38 bpsy/y
Peer standing43rd percentile
Peer standing in ubpr:primary:101
FDICNETINC + ROA
Efficiency
76.76%
−1,296 bpsy/y
Peer standing30th percentile
Peer standing in ubpr:primary:101
FDICNONIX + NIM + NONII + EEFFR
Leverage
10.70%
+49 bpsy/y
Peer standing49th percentile
Peer standing in ubpr:primary:101
FDICRBC1AAJ

Percentiles compare this bank with 130 ffiec ubpr peer group 101 — insured savings banks having assets greater than $1 billion.

Side-by-side comparison

Northfield Savings Bank beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

0.60%

Registry median

0.75%
ROE

This bank

6.31%

FFIEC trimmed average

7.24%
NIM

This bank

2.99%

Registry median

3.07%
Loans YoY

This bank

+4.19%

FFIEC trimmed average

+4.10%
Leverage

This bank

10.70%

FFIEC trimmed average

11.60%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$1.33B$1.11B
Q3 2021$1.37B$1.14B
Q4 2021$1.4B$1.17B
Q1 2022$1.41B$1.2B
Q2 2022$1.44B$1.23B
Q3 2022$1.44B$1.25B
Q4 2022$1.41B$1.19B
Q1 2023$1.41B$1.13B
Q2 2023$1.46B$1.14B
Q3 2023$1.45B$1.14B
Q4 2023$1.5B$1.19B
Q1 2024$1.5B$1.22B
Q2 2024$1.5B$1.2B
Q3 2024$1.53B$1.24B
Q4 2024$1.56B$1.23B
Q1 2025$1.56B$1.28B
Q2 2025$1.56B$1.28B
Q3 2025$1.59B$1.34B
Q4 2025$1.61B$1.36B
Q1 2026$1.58B$1.33B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$91.3M
Investor CRE$185M
Multifamily$98.1M
Construction$50.6M
1–4 family$588M
C&I$95.6M
Agriculture$256K
Other$36.3M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
43rd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.13%Median 0.75%90th 1.56%Observations 130
ROE
FDICNETINC + ROE
49th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 1.17%Median 6.45%90th 15.17%Observations 130
NIM
FDICNIM + NIMY
42nd percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.27%Median 3.07%90th 4.27%Observations 130
Efficiency
FDICNONIX + NIM + NONII + EEFFR
30th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 47.12%Median 70.18%90th 88.52%Observations 130
Deposits YoY
FDICDEP
52nd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −2.43%Median +3.43%90th +10.59%Observations 130
Loans YoY
FDICLNLSNET
55th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −3.95%Median +3.82%90th +12.78%Observations 129
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
49th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.13%Median 0.56%90th 1.80%Observations 129
Leverage
FDICRBC1AAJ
48th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 9.09%Median 10.79%90th 16.37%Observations 130

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
81st percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.81%Median 2.63%90th 3.99%Observations 130
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 26%Median 204%90th 411%Observations 89

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
13 branches
Headquarters
Northfield, VT
FDICOFFDOMOpen the Vermont dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data