🏦Bank Scorer

NORTHFIELD SAVINGS BANK

NORTHFIELD, VT · Supervised by FDIC

Est. 1867FDIC #14,140RSSD: FDIC-14140
Part ofNORTHFIELD MHC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.60%

Institution Profile

FDIC BankFind

Address

33 S Main St, NORTHFIELD, VT

County

Washington County

Established

November 21, 1867

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.1B

Net Income

$2M

ROA

0.60%

ROE

6.31%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.57%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$1.3B

1-Year Change

-1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436969.65%10.57%
202339557.47%16.96%
202254365.38%13.08%
202180868.19%10.40%
202093364.42%10.93%
201969372.73%7.94%
201860172.71%10.32%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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