Compared with Vermont
9 of 16
compared fees are above the median.
1 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
83rd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Vermont median
of 16 compared; 1 below, 6 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Northfield Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Vermont median | Published fees above the Vermont median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Northfield Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.2% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (83rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $567K in Q2 2026, 14% above the same quarter a year earlier ($499K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
9 of 16 compared published fees sit above the Vermont median; 1 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Vermont medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Vermont, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.4% from Q3 2025 to Q2 2026, to $567K. Its share of revenue, 4.2%, is above the 2.2% median for banks with $1B to $10B in assets.
$567K
Northfield Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Northfield Savings Bank · $1.6B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Northfield Savings Bank(this institution) | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alma Bank | Astoria, NY | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| BankSouth | Greensboro, GA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BOM Bank | Natchitoches, LA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chambers Bank | Danville, AR | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dieterich Bank | Effingham, IL | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Grasshopper Bank, N.A. | New York, NY | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Oklahoma City, OK | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Finance Bank | Miami, FL | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Landmark National Bank | Manhattan, KS | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Main Street Bank Corp. | Wooster, OH | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific National Bank | Miami, FL | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PrimeSouth Bank | Blackshear, GA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Citizens Bank of Philadelphia, Mississippi | Philadelphia, MS | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Moody National Bank | Galveston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Nodaway Valley Bank | Maryville, MO | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | Ogden, UT | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Virginia National Bank | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 20 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $10 among 20 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Northfield Savings Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Northfield Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $567K | +$36K | +6.8% |
| Q1 2026 | $531K | −$17K | −3.1% |
| Q4 2025 | $548K | −$27K | −4.7% |
| Q3 2025 | $575K | +$76K | +15.2% |
| Q2 2025 | $499K | +$45K | +9.9% |
| Q1 2025 | $454K | −$30K | −6.2% |
| Q4 2024 | $484K | −$10K | −2.0% |
| Q3 2024 | $494K | +$20K | +4.2% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Northfield Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Northfield Savings Bank by share.
Amounts from Northfield Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research (minimum 1 hour) | $25/hr
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly dormancy fee (accounts inactive for 24 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research (minimum 1 hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research (minimum 1 hour) | $25/hr |
| Paper statement fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft paid item fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft returned item fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Sweep overdraft protection (per transfer) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Transaction fee (includes transferring funds and withdrawals): - Allpoint ATM network - Point of sale (POS) - Other ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost card replacement - average 7-10 day delivery | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush debit card order - average 1-2 day delivery | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush debit card order - average 2-4 day delivery | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic wire fee - outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic wire fee - incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign wire fee - outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Foreign wire fee - incoming | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Money order or official check | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Online banking stop payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign check collection (checks in US or foreign dollars drawn on a foreign bank; excludes Canadian checks) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Online bill pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin counting where available (customer only) | No chargeInside the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
Account Services | |||
| Notary service (customer) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary service (non-customer) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| One lost key | $50Not compared: Box drilling or key fee | Not stated | None |
| Tax levies / summons / legal action | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Digital & Electronic | |||
| A La Carte Services - Bill Pay: business advanced (monthly fee) - Fed Corporate Payor Report (monthly fee per account) - | $20 | per month | None |
Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Northfield Savings Bank operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 7 | $949.4M |
| 6 | $380.1M |
Burlington-South Burlington, VT
4.6% of bank deposits, #6 of 15, up 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 28.8% |
| TD Bank, National Association | 26% |
| KeyBank National Association | 10.5% |
| Community Bank, National Association | 8.7% |
| Citizens Bank, National Association | 5.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Burlington-South Burlington, VT, Northfield Savings Bank holds 4.6% of bank deposits, #6 of 15, with 6 offices.
93 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 15 institutions shown. $8.2B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 4.6% share, 6 offices, #6 of 15
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
23 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.