Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.4. A current level of 4.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (7.8).
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 (7.1 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 13.1 percent.
Asset Mix:
Home mtgs (36%), securities (22%), comm re (16%), comm loans (6%), home eq lns (2%), cash (1%), 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
1021 Paine Turnpike, North
Berlin, VT 05602
Berlin, VT 05602
Phone Number
(802) 234-6979
Year Founded
1869
FDIC Number
Website
Largest Affiliates
No affiliate information available.