Bank · FDIC insured
Northfield Savings Bank
A $1.6B bank headquartered in Northfield, VT, with 13 branches in Vermont. Best rates: CDs 3.75% and savings 0.35% APY.
Northfield Savings Bank Carrot Score
71
Carrot Score
Higher than 28% of U.S. banks and credit unions
#9 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Northfield Savings Bank
Founded in 1867, Northfield Savings Bank is a mutual savings bank owned by its depositors rather than shareholders.
Headquartered in Vermont, the bank operates 14 offices serving over 35,000 customers across Central Vermont and Chittenden County.
- Headquarters
- 33 S Main St, Northfield, VT 05663
- FDIC certificate
- 14140 ↗
Branches
13 branches in Vermont
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Vermont
13 branches
Burlington area · 6
- Burlington Branch116 Church Street, Burlington, VT 05401Directions
- Pearl Street Essex Junction Branch71 Pearl St, Essex Junction, VT 05452Directions
- Richmond Branch Office23 Pleasant Street, Richmond, VT 05477Directions
- South Burlington Branch1120 Shelburne Rd, South Burlington, VT 05403Directions
- Williston Road South Burlington Branch1143 Williston Rd, South Burlington, VT 05403Directions
- Williston Branch60 Wright Ave, Williston, VT 05495Directions
Barre area · 5
- Northfield Savings BankMain office33 S Main St, Northfield, VT 05663Directions
- Barre Branch289 N Main St, Barre, VT 05641Directions
- Montpelier Branch100 State St, Montpelier, VT 05602Directions
- Waitsfield Branch200 Mad River Park, Waitsfield, VT 05673Directions
- Waterbury Branch29 S Main St, Waterbury, VT 05676Directions
Lebanon area · 2
- Bethel/Royalton Branch1875 Vermont Route 107, Bethel, VT 05032Directions
- Randolph Branch2 N Main St, Randolph, VT 05060Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.96% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.52% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.71% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $87 | $88 | — |
- CapitalLeverage ratio10.96%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.52%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.71%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$87Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Northfield Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.