Northern Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northern Bank & Trust Company of Woburn, MA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.03% | 1.46% | +0.57% | 88th top |
| ROAE | 14.13% | 12.71% | +1.42% | 64th above |
| Net Interest Margin | 4.92% | 3.85% | +1.07% | 94th top |
| Efficiency Ratio | 45.00% | 57.42% | -12.42% | 86th top |
| PPNR / Avg Assets | 2.73% | 1.88% | +0.85% | 92nd top |
| Yield on Earning Assets | 7.12% | 5.71% | +1.41% | 95th top |
| Cost of Funds | 2.52% | 2.02% | +0.50% | 21st bottom |
| Net Interest Spread | 4.07% | 3.18% | +0.89% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.49% | 1.00% | +3.49% | 2nd bottom |
| NPA / Total Assets | 4.05% | 0.76% | +3.29% | 1st bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 71st above |
| ACL / Total Loans | 2.20% | 1.31% | +0.89% | 97th top |
| ACL / NPLs (Coverage) | 49.01% | 544.01% | -495.00% | 9th bottom |
| Texas Ratio | 25.29% | 7.37% | +17.92% | 4th bottom |
| Provision / NCO | 68.82% | 619.45% | -550.63% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.34% | -2.04% | 73rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.30% | 17.37% | -2.07% | 73rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.56% | 18.42% | -1.86% | 74th above |
| Leverage Ratio | 14.55% | 11.43% | +3.12% | 92nd top |
| Equity / Assets | 14.13% | 11.33% | +2.80% | 90th top |
| TCE / Tangible Assets | 14.13% | 10.50% | +3.63% | 92nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.92% | 86.93% | +15.99% | 12th bottom |
| Core Deposit Ratio | 81.57% | 85.56% | -3.99% | 24th bottom |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 33.00% | 33.12% | -0.12% | 44th below |
| Wholesale Funding Ratio | 0.93% | 5.71% | -4.78% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.97% | 9.69% | -4.72% | 49th below |
| Loan Growth (Y/Y) | 3.82% | 8.06% | -4.24% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.76% | 7.87% | -2.11% | 57th above |
See Northern Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northern Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northern Bank & Trust Company profile, how to read a UBPR, or how this data updates.