Northfield Savings Bank

33 South Main Street
Northfield, VT 5663
802-485-5871
www.nsbvt.com

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Northfield Savings Bank is headquartered in Northfield and is the 2^nd largest bank in the state of Vermont. It is also the 968^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 142 employees at 13 locations. Northfield Savings Bank has a 5-star health rating.

Top 5-Year CD Rate at Northfield Savings Bank in Vermont - Local Only - 4/19/2011

Northfield Savings Bank is offering two CD specials. The most competitive one is the 5-year CD which has a 3.00% APY. The other one is a 15-month CD with a 1.15% APY. Minimum deposit is $1,000. These ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Northfield Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.40%	$100k	-	Organizational Omni
0.30%	$50k	-	Mega Money Market Checking
0.30%	$50k	-	Commercial Money Market Checking
0.10%	$500	-	Super NOW Checking
0.10%	$500	-	Passport Club Checking
0.10%	$500	-	Super NOW Business Checking

Northfield Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Health Savings Account
0.30%	$50k	-	Passport Club Savings
0.30%	$50k	-	Business Savings
0.10%	-	-	Regular Savings
0.10%	-	-	Club Savings
0.10%	-	-	Wings Youth Savings

Northfield Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Money Market Savings

Northfield Savings Bank CD Rates

Apy	Min	Max	Product
1.40%	$1k	-	60 Month CD
0.80%	$1k	-	48 Month CD
0.70%	$1k	-	36 Month CD
0.70%	$1k	-	10 Month CD
0.60%	$1k	-	24 Month CD
0.40%	$1k	-	12 Month Rollover CD
0.40%	$1k	-	12 Month CD
0.30%	$1k	-	6 Month CD
0.25%	$1k	-	12 Month No Penalty CD
0.25%	$1k	-	3 Month CD

Northfield Savings Bank IRA Rates

Apy	Min	Max	Product
1.40%	$50	-	60 Month IRA
1.40%	$50	-	60 Month Roth IRA
0.80%	$50	-	48 Month IRA
0.80%	$50	-	48 Month Roth IRA
0.70%	$50	-	36 Month IRA
0.70%	$50	-	36 Month Roth IRA
0.60%	$50	-	24 Month IRA
0.60%	$50	-	24 Month Roth IRA
0.40%	$50	-	12 Month IRA
0.40%	$50	-	12 Month Rollover IRA
0.40%	$50	-	12 Month Roth IRA
0.40%	$50	-	12 Month Rollover Roth IRA
0.30%	$50	-	6 Month IRA
0.30%	$50	-	6 Month Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Northfield Savings Bank
FDIC Certificate #	14140
BankRate Report	View
Year Established	1867
Employees	142
Primary Regulator	FDIC
Assets and Liabilities
Assets	$681.76 million
Loans	$446.18 million
Deposits	$506.31 million
Equity Capital	$87.30 million
Loan Loss Allowance	$5.75 million
Unbacked Noncurrent Loans	$4.30 million
Real Estate Owned	$346,000
Historic Data - March 2011
Assets	$647.37 million
Equity Capital	$80.95 million
Loan Loss Allowance	$5.85 million
Unbacked Noncurrent Loans	$4.12 million
Profit Margin - Quarterly
Net Interest Margin	3.38%
Return on Assets	0.92%
Return on Equity	7.26%
Interest Income	$6.63 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Northfield Savings Bank had $4.64 million in non-current loans and owned real-estate with $93.05 million in equity and loan loss allowances on hand to cover it. This gives Northfield Savings Bank a Texas Ratio of 4.99% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Northfield Savings Bank held steady from 4.75% as of March 31, 2011 to 4.99% as of March 31, 2012, resulting in a negative change of 5.12%. This indicates that the balance sheet and financial strength for Northfield Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Northfield Savings Bank has increased its total deposits by $22.8 million, resulting in 4.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Northfield Savings Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Northfield Savings Bank has $681.76 million in assets with $93.05 million in equity, resulting in a capitalization level of 13.65%, which is excellent.