Northfield Savings Bank
Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A current level of 3.4 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability.
Asset Mix:
Home mtgs (35%), securities (19%), comm re (18%), comm loans (6%), cash (2%), home eq lns (2%), other (18%)
States with Branches:
VT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Northfield MHC
Investment Rating
--
Address
33 South Main Street
Northfield, VT 05663
Northfield, VT 05663
Phone Number
(802) 234-6979
Year Founded
1869
FDIC Number
Website
Largest Affiliates
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