Northern Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 17.4% higher than in Q1 2026, at -$943K. Within Massachusetts, Northern Bank & Trust Company is 23rd of 59 on CET1 ratio, 15.30% as of Q2 2026, above the middle of the field. Northern Bank & Trust Company reported 15.30% on CET1 ratio for Q2 2026, 1.82 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.56% |
| Tier 1 leverage ratio | 14.55% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $479.2M |
| Tier 1 capital | $479.2M |
| Total risk-based capital | $518.7M |
| Total equity capital | $478.3M |
| Risk-weighted assets | $3.13B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.13% |
| Tangible equity to tangible assets | 14.13% |
| Equity capital to average assets | 14.52% |
| Internal capital growth rate | 7.88% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $213.5M |
| Retained earnings | $265.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$943K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.58% | 15.58% | 16.83% | 14.99% | $2.81B |
| Q4 2023 | 15.23% | 15.23% | 16.48% | 14.63% | $2.90B |
| Q1 2024 | 14.94% | 14.94% | 16.19% | 14.40% | $3.00B |
| Q2 2024 | 14.87% | 14.87% | 16.13% | 14.06% | $3.06B |
| Q3 2024 | 15.08% | 15.08% | 16.34% | 14.18% | $3.04B |
| Q4 2024 | 15.20% | 15.20% | 16.45% | 14.35% | $3.04B |
| Q1 2025 | 15.92% | 15.92% | 17.19% | 14.85% | $2.94B |
| Q2 2025 | 16.02% | 16.02% | 17.28% | 15.23% | $2.97B |
| Q3 2025 | 15.79% | 15.79% | 17.05% | 14.90% | $3.03B |
| Q4 2025 | 15.37% | 15.37% | 16.63% | 14.70% | $3.01B |
| Q1 2026 | 15.15% | 15.15% | 16.41% | 14.66% | $3.10B |
| Q2 2026 | 15.30% | 15.30% | 16.56% | 14.55% | $3.13B |
Northern Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northern Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18266) · FFIEC NIC profile (RSSD 900306)