Northfield Savings Bank
Northfield, VT
IDRSSD: 520003
Total Assets
$1.61B
Latest filing
Total Deposits
$1.36B
Latest filing
Net Interest Margin
2.92%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211672683BARRE, VT
Key People
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Locations
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Main Office
Northfield Savings Bank
33 S Main St
Northfield, VT 05663
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/21/1867FDIC Certificate 8830
Branches (12)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Northfield Savings Bank (Main) | 33 S Main St | Northfield, VT |
| BARRE BRANCH | 289 N Main St | Barre, VT |
| WATERBURY BRANCH | 29 S Main St | Waterbury, VT |
| RANDOLPH BRANCH | 2 N Main St | Randolph, VT |
| MONTPELIER BRANCH | 100 State St | Montpelier, VT |
| BETHEL/ROYALTON BRANCH | 1875 Vermont Route 107 | Bethel, VT |
| WAITSFIELD BRANCH | 200 Mad River Park | Waitsfield, VT |
| PEARL STREET ESSEX JUNCTION BRANCH | 71 Pearl St | Essex Junction, VT |
Showing 7 of 12
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 11/21/1867 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05663 |
| State and County Number | 50023 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Barre, VT |
Operational Info
| Number of Employees | 184 |
| Domestic Offices | 13 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 03/31/1934 |
| Primary Insurance Agency | DIF |
| Website | www.nsbvt.com |
| Data Updated | 01/30/2026 |
| CERT | 14140 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.61B |
| Total Deposits | $1.36B |
| Total Liabilities | $1.46B |
| Total Equity Capital | $152.11M |
| Net Income | $1.97M |
| Net Loans and Leases | $1.14B |
| Assets Per Employee ($Millions) | $9.1M |
| Bank Premises and Fixed Assets | $24.31M |
| Cash and Balances due from Depository Institutions | $37.21M |
| Deposits Held in Domestic Offices | $1.36B |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 5.25% |
| Net Interest Margin | 2.92% |
| Efficiency Ratio | 77.02% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.445% |
| Earning Assets to total Assets | 93.56% |
Income and Expense
| Total Interest Income | $16.98M |
| Total Noninterest Income | $2.09M |
| Total Interest Expense | $6.08M |
| Total Noninterest Expense | $10.00M |
| Net Interest Income | $10.89M |
| Pre-tax Net Operating Income | $2.38M |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $28.81M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $47.62M |
| All Other Liabilities | $18.83M |
| Total Liabilities and Capital | $1.61B |
Securities
| Securities | $343.96M |
| Available-for-sale debt securities | $343.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Northfield Savings Bank?
$1.61B as of the latest filing.
How much are Northfield Savings Bank's total deposits?
$1.36B in total deposits.
Where is Northfield Savings Bank located?
Northfield, VT.
What is the Net Interest Margin?
2.92%.
How many domestic offices does it operate?
13.
When was it established?
11/21/1867.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$1.14B (latest filing).
What is the total interest income (latest filing)?
$16.98M.