TellerScore

Headquartered in Northfield, Vermont, Northfield Savings Bank is a si with $1.6B in total assets and $1.3B in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1867.

Based on its Q2 2026 filing, Northfield Savings Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 12 banks headquartered in Vermont, it ranks 5th. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is earnings (48/100; 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.96%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 86.0% · 18.0% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (62 → 68), mostly because the earnings component improved by 15 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202463
Q1 202561
Q2 202562
Q3 202561
Q4 202563
Q1 202666
Q2 202668
Tier 1 leverage ratio
5.00%7.98%10.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.45%
Q3 202410.30%
Q4 202410.30%
Q1 202510.21%
Q2 202510.36%
Q3 202510.36%
Q4 202510.23%
Q1 202610.70%
Q2 202610.96%
Noncurrent loans
0.19%0.49%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.19%
Q4 20240.49%
Q1 20250.63%
Q2 20250.67%
Q3 20250.79%
Q4 20250.58%
Q1 20260.55%
Q2 20260.52%
Return on assets
0.23%0.47%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.29%
Q4 20240.31%
Q1 20250.23%
Q2 20250.32%
Q3 20250.37%
Q4 20250.40%
Q1 20260.60%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.6B10.96%0.52%0.71%86.0%
Q1 202666$1.6B10.70%0.55%0.60%85.5%
Q4 202563$1.6B10.23%0.58%0.40%83.5%
Q3 202561$1.6B10.36%0.79%0.37%84.4%
Q2 202562$1.6B10.36%0.67%0.32%85.6%
Q1 202561$1.6B10.21%0.63%0.23%84.9%
Q4 202463$1.6B10.30%0.49%0.31%88.5%
Q3 202466$1.5B10.30%0.19%0.29%87.5%
Q2 202466$1.5B10.45%0.19%0.29%89.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.96%
60th
Total risk-based capital0.00%
13th
Problem loans0.52%
50th
Net charge-offs0.01%
71st
Return on assets0.71%
15th
Net interest margin3.09%
18th
Efficiency ratio73.5%
15th
Loans to deposits86.0%
53rd
Uninsured deposits18.0%
86th
Loan-loss reserves0.88%
19th
Texas ratio3.6%
50th

Similar-size banks in Vermont

InstitutionScoreAssetsCapitalProblem loansCompare
Union BankBank Morrisville, VT45 out of 100, Below average$1.6B7.8%1.35%vs
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
Ledyard National BankBank Norwich, VT63 out of 100, Moderate$1.1B8.3%0.31%vs

Deposit insurance

Is my money safe at Northfield Savings Bank?

Yes. Northfield Savings Bank is an FDIC-insured institution (FDIC certificate #14140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($240.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Northfield Savings Bank lists 13 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northfield Savings Bank reported 305 home-loan applications under HMDA (LEI 549300D7AV8NGI6N3S98): 225 originated ($94,135,000 total), 31 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northfield Savings Bank
Type
SI
FDIC certificate #
14140
RSSD ID
520003
Primary regulator
FDIC
Holding company
Northfield Mhc
Established
November 21, 1867
Headquarters
33 S Main St, Northfield, VT 05663
Employees
180

Quick answers

Northfield Savings Bank: common questions

Is Northfield Savings Bank FDIC insured?

Yes. Northfield Savings Bank is an FDIC-insured institution (FDIC certificate #14140). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northfield Savings Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northfield Savings Bank ever failed?

There is no failure record for FDIC certificate #14140 in the FDIC failed bank list.

How many branches does Northfield Savings Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Northfield

InstitutionScoreAssetsCapitalProblem loansCompare
Passumpsic Savings BankBank Saint Johnsbury, VT76 out of 100, Strong$934.5M13.1%0.71%vs
Bar Harbor Bank & TrustBank Bar Harbor, ME73 out of 100, Strong$4.7B10.5%0.32%vs
Community National BankBank Derby, VT68 out of 100, Moderate$1.2B10.6%0.86%vs
802 Credit UnionCredit union Barre, VT67 out of 100, Moderate$507.7M12.5%1.50%vs
Mascoma BankBank Lebanon, NH64 out of 100, Moderate$3.0B9.1%0.15%vs
TD Bank, National AssociationBank Wilmington, DE63 out of 100, Moderate$342.8B10.3%1.11%vs