BlastPoint's Banking Scorecard
Northfield Savings Bank
Community
Specialty: Commercial
VT
FDIC cert 14140
Northfield, VT
1484
banks in Community tier nationally
7 in VT
View Community leaderboard (VT) →
Northfield Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16% in Community
- - Efficiency Drag: Bottom 34% in Community
- - Capital Thin: Bottom 36% in Community
- - Return on Assets 0.77% below tier
- - Net Interest Margin 0.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+3.3% YoY
+1.5% QoQ
|
+$219.1M |
$1.4B
+2.0% YoY
|
$750.6M
+5.2% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.1B
+4.2% YoY
+0.3% QoQ
|
+$162.1M |
$975.5M
+2.4% YoY
|
$528.9M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.4B
+10.5% YoY
+1.4% QoQ
|
+$198.5M |
$1.2B
+1.7% YoY
|
$619.5M
+6.3% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.40%
+29.2% YoY
+8.7% QoQ
|
-0.77% |
1.16%
+17.2% YoY
|
0.74%
-5.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.72%
+12.5% YoY
+2.5% QoQ
|
-0.95% |
3.66%
+9.1% YoY
|
3.43%
+8.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
82.57%
-7.0% YoY
-2.5% QoQ
|
+19.93% |
62.63%
-5.3% YoY
|
77.26%
+0.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.59%
+20.3% YoY
-25.8% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.58%
+53.6% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
83.45%
-5.7% YoY
-1.1% QoQ
|
+0.39% |
83.06%
+0.3% YoY
|
84.44%
+2.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
19.42%
-7.8% YoY
-0.0% QoQ
|
-1.62% |
21.05%
-0.9% YoY
|
20.83%
+5.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.42%
+21.3% YoY
-26.6% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.50%
+53.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
13.37%
+2.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.45%
+8.9% YoY
+38.2% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.68%
-0.4% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#105 of 642 · Bottom 16% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#53 of 152 · Bottom 34% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.57%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#154 of 432 · Bottom 36% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.72%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.45% · Tier avg: 83.06%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 21.05%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.42% · Tier avg: 21.05%
54
54th pctile
Loan-to-Deposit Ratio
Current: 83.45% · Tier avg: 83.06%
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
73
73th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B