| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.5% | -4.5 pts |
| Deposit growth (YoY) | +3.8% | +5.1% | -1.3 pts |
| Loan growth (YoY) | +4.3% | +5.9% | -1.6 pts |
| ROA | 0.71% | 1.26% | -0.5 pts |
| ROE | 7.3% | 12.2% | -4.8 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.58B | $1.33B | $1.14B | $156.8M | $5.7M | 0.71% | 3.09% | 0.38% |
| Q1 2026 | $1.58B | $1.33B | $1.13B | $153.4M | $2.4M | 0.60% | 2.99% | 0.40% |
| Q4 2025 | $1.61B | $1.36B | $1.14B | $152.1M | $6.3M | 0.40% | 2.72% | 0.42% |
| Q3 2025 | $1.59B | $1.34B | $1.13B | $147.8M | $4.3M | 0.37% | 2.65% | 0.57% |
| Q2 2025 | $1.56B | $1.28B | $1.10B | $142.7M | $2.5M | 0.32% | 2.58% | 0.48% |
| Q1 2025 | $1.56B | $1.28B | $1.09B | $138.7M | $876K | 0.23% | 2.55% | 0.45% |
| Q4 2024 | $1.56B | $1.23B | $1.09B | $133.3M | $4.7M | 0.31% | 2.41% | 0.34% |
| Q3 2024 | $1.53B | $1.24B | $1.08B | $137.2M | $3.3M | 0.29% | 2.39% | 0.14% |
Loan mix (Q2 2026): real estate $1.03B · commercial $93.5M · consumer $1.6M · securities $301.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 59.0% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Northfield Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
13 branches in 4 counties across 1 state (-1 vs 2024) · $1.28B branch deposits. Biggest market: Washington, VT, ranked 1st with 30.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, VT | 5 | $813.2M | 30.76% | 1st |
| Chittenden, VT | 6 | $373.5M | 4.07% | 7th |
| Orange, VT | 1 | $55.4M | 10.36% | 5th |
| 1 more county with Pro → | ||||
Vermont: 5th with 5.36% · Burlington-South Burlington metro: 8th, 3.56% ·
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 13