Northern Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 10.52 percentage points lower than in Q1 2026, at 64.65%. Within Massachusetts, Northern Bank & Trust Company is 21st of 89 on loan-to-deposit ratio, 102.92% as of Q2 2026, above the middle of the field. Northern Bank & Trust Company reported 102.92% on loan-to-deposit ratio for Q2 2026, 14.72 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.91B |
| Net loans and leases | $2.84B |
| Loans held for sale | $931K |
| Loans to total assets | 85.84% |
| Loan-to-deposit ratio | 102.92% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.13% |
| Multifamily (5+ residential) | 3.93% |
| Commercial and industrial | 44.20% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.69% |
| Construction concentration (Tier 1 capital + allowance) | 64.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.47% |
| Interest income on loans | $54.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.63B | $2.44B | 26.00% | 43.90% | 0.02% |
| Q4 2023 | $2.74B | $2.55B | 25.32% | 44.96% | 0.01% |
| Q1 2024 | $2.80B | $2.69B | 26.03% | 45.38% | 0.01% |
| Q2 2024 | $2.84B | $2.79B | 26.70% | 45.13% | 0.01% |
| Q3 2024 | $2.82B | $2.62B | 26.63% | 44.91% | 0.00% |
| Q4 2024 | $2.83B | $2.69B | 25.67% | 44.75% | 0.00% |
| Q1 2025 | $2.73B | $2.60B | 25.13% | 44.03% | 0.00% |
| Q2 2025 | $2.80B | $2.67B | 25.22% | 43.90% | 0.00% |
| Q3 2025 | $2.83B | $2.66B | 24.94% | 43.80% | 0.02% |
| Q4 2025 | $2.82B | $2.59B | 24.23% | 44.67% | 0.02% |
| Q1 2026 | $2.91B | $2.72B | 25.65% | 43.94% | 0.01% |
| Q2 2026 | $2.91B | $2.82B | 26.13% | 44.20% | 0.01% |
Northern Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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)