NORTHERN BANK & TRUST COMPANY

WOBURN, MA | Large | Est. Feb. 25, 1960, midnight | FDIC #18266 | RSSD #900306 | FDIC
Latest Report: 2025-12-31

NORTHERN BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in WOBURN, MA, established in Feb. 25, 1960, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.6B. Profitability stands at 1.30% ROA and 8.89% ROE, with a net interest margin of 5.29%. The bank's CET1 capital ratio is 15.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.07% and a Texas Ratio of 17.53%. FDIC Certificate #18266.

Assets

$3.2B

Deposits

$2.6B

Loans

$2.8B

Equity

$462M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 8.89%
Net Interest Margin (NIM) 5.29%
Yield on Assets 7.72%
Cost of Funds 3.47%

Asset Quality

NPL Ratio 3.07%
Net Charge-Off Ratio 0.23%
Texas Ratio 17.53%
NPA Ratio 2.91%
ACL / Loans 2.28%

Capital & Liquidity

CET1 Ratio 15.37%
Tier 1 Capital 15.37%
Total Capital Ratio 16.63%
Leverage Ratio 14.70%
Loan-to-Deposit 108.94%

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