Northfield Savings Bank
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 4.0 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 10.1 percent and a “hot money” ratio of 13.1 percent.
Asset Mix:
Home mtgs (34%), securities (21%), comm re (17%), comm loans (6%), cash (2%), home eq lns (2%), consumer loans (0%), other (17%)
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
No affiliate information available.