Northfield Savings Bank (FDIC #14140): Bank Stress & Real-Estate Credit Exposure
Northfield Savings Bank (FDIC Cert #14140): bank stress 76/100, severe, STABLE over 7 days; parent NORTHFIELD MHC.
Northfield Savings Bank (#14140) lends in 4 counties across 1 state; Northfield Savings Bank (#14140) reaches 109 ZIP codes: Vermont 4 counties, 109 ZIPs.
Northfield Savings Bank (#14140) largest markets: Windsor County, VT (39 branches, 39 ZIPs) (#14140), Orange County, VT (31 branches, 31 ZIPs) (#14140), Washington County, VT (140 branches, 28 ZIPs) (#14140), Chittenden County, VT (126 branches, 21 ZIPs) (#14140).
Northfield Savings Bank (#14140) reports $1.58 billion in total assets; Northfield Savings Bank (#14140) equity $156.8 million (9.9% of Northfield Savings Bank (#14140) assets); Northfield Savings Bank (#14140) domestic deposits $1.33 billion; Northfield Savings Bank (#14140) net income $5.7 million; Northfield Savings Bank (#14140) return on assets 0.71%; Northfield Savings Bank (#14140) return on equity 7.33%; Northfield Savings Bank (#14140) net interest income $22.8 million; Northfield Savings Bank (#14140) call report June 30, 2026.
Northfield Savings Bank (#14140) noncurrent real-estate loans: none reported; Northfield Savings Bank (#14140) net charge-offs on real estate 0.30%; Northfield Savings Bank (#14140) residential charge-offs 0.66%.
Northfield Savings Bank (#14140) net interest margin 3.09% against an eight-quarter Northfield Savings Bank (#14140) average of 2.67% (Northfield Savings Bank (#14140) compression -0.41 points); Northfield Savings Bank (#14140) non-residential real estate 66.2% of equity; Northfield Savings Bank (#14140) rate-exposure score 40/100, Northfield Savings Bank (#14140) fixed-rate trap 40/100; Northfield Savings Bank (#14140) risk type credit driven; Northfield Savings Bank (#14140) rate regime rates elevated, Northfield Savings Bank (#14140) snapshot October 19, 2026.
Northfield Savings Bank (#14140) stress score moved from 77.7 on June 22, 2026 to 76.5 on October 19, 2026; Northfield Savings Bank (#14140) ranged 76.5 to 77.7 over 116 snapshots.
Northfield Savings Bank (#14140) alerts: 4 counties; top Northfield Savings Bank (#14140) alert scores: Bethel County, VT 25 (low); Randolph County, VT 25 (low); Waterbury County, VT 25 (low); Williston County, VT 25 (low).