Bank Comparison
The Northern Trust Company vs Bank of America, N.A.
BankRegReports is independent of The Northern Trust Company and Bank of America, N.A. and never asks for online banking logins or passwords.
At Q2 2026, Bank of America, N.A. is the larger bank, with $2.65T in total assets to The Northern Trust Company's $178.57B; Bank of America, N.A. has the higher CET1 ratio (12.10% vs 11.83%) and The Northern Trust Company has the higher return on assets (1.94% vs 1.12%).
vs
9 · 8
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| CET1 Ratio | 11.83% | 12.10% |
| Tier 1 Capital Ratio | 11.83% | 12.10% |
| Total Capital Ratio | 13.90% | 13.11% |
| Tier 1 Leverage Ratio | 6.84% | 7.11% |
| Equity / Assets | 6.69% | 9.07% |
Profitability
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.94% | 1.12% |
| Return on Equity (ROE) | 26.91% | 12.49% |
| Net Interest Margin (NIM) | 1.80% | 2.48% |
| Yield on Earning Assets | 5.82% | 4.03% |
| Cost of Funds | 3.82% | 1.75% |
Asset quality
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| Texas Ratio | 0.87% | 3.96% |
| Non-Performing Loan Ratio | 0.23% | 0.65% |
| Non-Performing Asset Ratio | 0.06% | 0.30% |
| Net Charge-Off Ratio | 0.00% | 0.47% |
| ACL / Loans | 0.37% | 1.08% |
Balance sheet
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| Total Assets | $178.57B | $2.65T |
| Total Deposits | $148.11B | $2.12T |
| Total Loans | $43.82B | $1.21T |
| Total Equity | $11.94B | $240.79B |
| Net Income (quarter) | $790.1M | $7.53B |
Liquidity & funding
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 29.59% | 57.10% |
| Core Deposit Ratio | 35.82% | 87.43% |
| Uninsured Deposit Ratio | 29.48% | 42.40% |
Identity
| Metric | The Northern Trust Company | Bank of America, N.A. |
|---|---|---|
| Headquarters City | Chicago | Charlotte |
| Headquarters State | IL | NC |
| Asset Tier | $100B to $250B in assets | $250B or more in assets |
| Regulator | FED | OCC |
| Domestic Branches | 65 | 3,598 |
| Employees (FTE) | 23,363 | 133,777 |
| Established | January 1, 1889 | October 17, 1904 |
Related bank comparisons
The Northern Trust Company vs First-Citizens Bank & Trust Company · The Northern Trust Company vs TD Bank · The Northern Trust Company vs U.S. Bank N.A. · The Northern Trust Company vs The Bank of New York Mellon · Regions Bank vs Bank of America · KeyBank N.A. vs Bank of America · Wells Fargo Bank vs Bank of America · Citibank vs Bank of America
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full The Northern Trust Company profile | View full Bank of America, N.A. profile | Browse all bank comparisons