Northfield Savings Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Northfield Savings Bank (FDIC Cert #14140) at 76/100 for bank stress — a severe level of financial pressure. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

County by county, that footprint includes Windsor County, VT, Orange County, VT, Washington County, VT, Chittenden County, VT, among others DLRadar tracks parcel by parcel. The combination of a severe reading and a compact footprint is what makes Northfield Savings Bank worth watching as a supply signal. Northfield Savings Bank is held under Northfield Mhc, so its disclosures are public and its stress trajectory is externally verifiable. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The value is in the linkage: Northfield Savings Bank's severe reading is mapped onto 109 ZIP codes and 4 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Northfield Savings Bank runs a compact, single-state real-estate lending footprint — 4 U.S. counties across 1 state, spanning 109 ZIP codes. Its heaviest exposure sits in Vermont (4 counties). No bank is too small to score the same way: Northfield Savings Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 4-county, 109-ZIP profile means exactly what it would for any institution nationwide. Northfield Savings Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

For buyers, lender stress is an early map of supply: when Northfield Savings Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.