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Northfield Savings Bank
Northfield, VT · FDIC Certificate #14140 · Chartered 11/2
Total assets
$1.58B
Total deposits
$1.33B
Total equity
$156.82M
Net loans
$1.14B
Branches (offices)
13
Net income (YTD)
$5.65M
Rank: #714 of 4,213 U.S. banks by assets · #1 of 12 in Vermont. Assets changed 1.0% and deposits 3.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 7.33% |
| Net interest margin (YTD) | 3.09% |
| Equity to assets | 9.95% |
| Tier 1 leverage ratio | 10.96% |
| Uninsured deposits (share of deposits) | 18.0% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.0% |
| Real estate loans (share of loans) | 89.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.03B | 89.8% | |
| Commercial & industrial | $93.53M | 8.2% | |
| Consumer / individual | $1.57M | 0.1% | |
| Construction & development | $51.47M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.44B | $1.23B | $5.02M | $117.32M |
| Jun 2023 | $1.46B | $1.14B | $2.42M | $119.18M |
| Jun 2024 | $1.50B | $1.20B | $2.19M | $127.56M |
| Jun 2025 | $1.56B | $1.28B | $2.49M | $142.69M |
| Jun 2026 | $1.58B | $1.33B | $5.65M | $156.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $1.33B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.33B.
Similar-sized banks
Chambers Bank ($1.59B) · Exchange Bank ($1.58B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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