# NORTHFIELD SAVINGS BANK
NORTHFIELD, VT · FDIC certificate 14140 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.58B | |
| Deposits | $1.33B | |
| Loans and leases | $1.15B | |
| Total equity | $156.8M | |
| Loans / deposits | 86.04% (p48 of band) | 87.10% |
| Liquid assets / assets | 21.37% (p51 of band) | |
| Uninsured deposits / deposits | 18.05% (p14 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.48% (p44 of band) | |
| FHLB advances / assets | 1.84% | |
| Tier 1 leverage | 10.96% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -12.62% (p33 of band) | -7.75% |
| AOCI / equity | -0.55% (p33 of band) | |
| ROA (annualized) | 0.71% (p15 of band) | 1.26% |
| Net interest margin | 3.09% (p19 of band) | 3.70% |
| Efficiency ratio | 73.51% (p85 of band) | |
| Noncurrent loans | 0.52% (p51 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 167.33% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 32.82% (p33 of band) | |
| Auto loans | $438,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 180 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | loans exceed deposits |  |
| 2015-09 | 2 |  | loans exceed deposits |
| 2015-12 | 3 | loans exceed deposits |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | wholesale funding >15% |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | capital falling, expense ratio p90 |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans exceed deposits |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | expense ratio p90, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 5 | capital falling |  |
| 2023-12 | 3 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 4 | securities losses >30% of equity, NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | expense ratio p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-05 [Six Vermont Banks Stung by $500k Fraud Scheme - Compass Vermont](https://news.google.com/rss/articles/CBMiekFVX3lxTE55UlgzaHViY0lOaEppaVE1Q3ZtZXc0OUZCNlpFczRRY0cwLXJidm5rYVFEc0JUNjVqekNiWGRZTGg5NjdDUllwWlJ2MUpSYW15a3lWemxsbVlzTm96cWUtRXFuRGJpZ3pMWG9NU2o5dFM3RkVPbWpfSGNB?oc=5) · Compass Vermont
- 2025-12-16 [Northfield Savings announces executive leadership promotions - Vermont Business Magazine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPbzR3aXFvZFJocnZYLXJ1c3I2UXg2YzhIVTdkLWNLVkxVbzBPX2RzMWIxSkNIeTVfZkh5VV8yVHZWLXVyeHFKMFlPMExicTlwMm1fQ3hBdnZINXgzWXdYclQ3NHl4SjdpbXhFYm1xZVVBM043OTZnYXBoSlEzYlNUQlJSc2hTOTVJQnIxNnNXYmxaNHR2dEZLMklIbGNaYVpl?oc=5) · Vermont Business Magazine
- 2026-06-10 [Best Certificates of Deposit (CD) in Vermont for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBDWENUZE1nNWlhelNfZUNaUi1nYmV6OEZMTDFGMzR2czFJaWpjUTFQekRGMHN6Sk1jaUJWZWd4MzU1VVVhTVNxTXN0cXJiYUFOYlVQOFl4VWs1UERoeFRn?oc=5) · MoneyRates
- 2026-01-05 [Northfield Savings Bank Review: Competitive Rates and Account Options - GOBankingRates](https://news.google.com/rss/articles/CBMihgFBVV95cUxOczB4UlQ4eEZWbEtfaDVfWWJoeTBGcWFEcjQ2bkp3TVMzN1Q2QTd0anpNRlBiMFRIQS1FWVpBSnNQWkhJaGhJS3hxRUpNSFhSTjVGNWpUT0RKMVhfdU9vRVJremxHdVhMNVdtYWhyZ3BaSklkUHJraThMLU9naHozX0ZoMmJmUQ?oc=5) · GOBankingRates
- 2026-07-23 [Joel E. Dubé - Burlington Free Press](https://news.google.com/rss/articles/CBMiakFVX3lxTE94Sm5yY19kLWw2aU53RWFsZ09oUHhxQlJXdWROdmJjUUNCUkZZd2o0M2lwN2pBRlNmOUMxUmhFR0RSb0txaTVTX2Jwc3d2TWtZejBVdDZpeFA5aEstVHdTNV9UZDRYVWVXUkE?oc=5) · Burlington Free Press
- 2026-01-29 [Vermont Bank CEO Delivers $10,000 Donation Check On His Skis - Unofficial Networks](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOVpIMFNmbG9DUDVyWDN6WEg0NnpvdmJoWXM5T20yemRhZG0tVm1Sc0Fxd2gtcjhpWGZNMGwyVlNlRmNOMWN3Mlk0R05UbHRtWGNaRlpjNFZoREEzUDFRODMwdjZ1RHNXQmpfUUJCWVpEZzRQalFsNkZkYjhRa3RHNkxIbm42UnRxWl85SVd1b2NUNDlmSW1JY0NHWHNxX0xwaTRN?oc=5) · Unofficial Networks
- 2023-08-08 [20 bank branches were affected by the July floods, driving customers to other locations - VTDigger](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQNndTa0dDa3p3OUVValdsYjRiX0JTVk5rUk9DMWZ1SExyQmdZM0RpUkdJLXFYT2E2Ri1OOU4wVEFaU244V0lvT0F3VkRkLWw3R3h4bmNnbDAwVEZoclpMMlp6QlJmY2xrMl9VQjBUNm9ETzZhWFNFbU0tQVFNUnE4NmMxbUlRTXI4VWtOWTA5UGZXN0lwUFpKVWhZVERpeTdERWU5R1pua0NEaWdoNk1QZUxEU2Ywb2pHdnRB?oc=5) · VTDigger
- 2025-07-09 [Bator appointed president and CEO at Northfield Savings Bank - Vermont Business Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRFlpZW14ekptNFlMZzlyd0FPaGZXaTFtSTlJbjJvZTlPWTBwV0xPSS1pQlhjMlJEQS1VazRxbHA4TXZQSTdlY3E4cmZnQlIteFZyZnNzR0dLLTNtMzZvODBHSkJta1VPbFEwR1JmcjFoT2RyUUF2UmNTSERXUzdhOExjR3pqY1A4WHNqWkZvai01ZEQwUGhr?oc=5) · Vermont Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14140 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "14140", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide