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Northfield Savings Bank

Northfield, VT
IDRSSD: 520003
Total Assets
$1.59B
Latest filing
Total Deposits
$1.34B
Latest filing
Net Interest Margin
2.80%
Profitability
0

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 ClassState chartered stock savings banks / S&L
Primary RegulatorFDIC
Established Date11/21/1867
Community BankYes
Ownership TypeNot Mutual
ZIP05663
State and County Number50023
Subchapter S CorporationsNo
Trust PowersTrust Powers Not Granted
Federal Reserve ID Number01
Numeric code41
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NameBarre, VT

Operational Info

Number of Employees177
Domestic Offices13
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/17/2024
Date of Deposit Insurance03/31/1934
Primary Insurance AgencyDIF
Websitewww.nsbvt.com
Data Updated11/14/2025
CERT14140
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$1.59B
Total Deposits$1.34B
Total Liabilities$1.44B
Total Equity Capital$147.78M
Net Income$1.81M
Net Loans and Leases$1.13B
Assets Per Employee ($Millions)$8.63M
Bank Premises and Fixed Assets$24.68M
Cash and Balances due from Depository Institutions$29.52M
Deposits Held in Domestic Offices$1.34B

Key Performance Ratios

Return on Assets (ROA)0.46%
Return on Equity (ROE)4.99%
Net Interest Margin2.8%
Efficiency Ratio81.62%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.31%
Earning Assets to total Assets93.21%

Income and Expense

Total Interest Income$16.58M
Total Noninterest Income$1.99M
Total Interest Expense$6.32M
Total Noninterest Expense$10.00M
Net Interest Income$10.26M
Pre-tax Net Operating Income$1.95M
Provision for Credit Losses$300.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$27.91M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$48.43M
All Other Liabilities$19.33M
Total Liabilities and Capital$1.59B

Securities

Securities$330.45M
Available-for-sale debt securities$330.45M
Equity securities with readily determinable fair values not held for trading$0
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?
$1.59B as of the latest filing.
How much are Northfield Savings Bank's total deposits?
$1.34B in total deposits.
Where is Northfield Savings Bank located?
Northfield, VT.
What is the Net Interest Margin?
2.80%.
How many domestic offices does it operate?
13.
When was it established?
11/21/1867.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$1.13B (latest filing).
What is the total interest income (latest filing)?
$16.58M.