Northern Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.85 percentage points lower than in Q1 2026, at 102.92%. On return on assets, Northern Bank & Trust Company ranks 5th highest among the 89 banks headquartered in Massachusetts, at 2.03% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Northern Bank & Trust Company reported 2.03% on return on assets in Q2 2026, 0.76 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.56% |
| Tier 1 leverage ratio | 14.55% |
| Equity capital to assets | 14.13% |
| Tangible equity to tangible assets | 14.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.49% |
| Non-performing assets ratio | 4.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 25.29% |
| Allowance for credit losses to loans | 2.20% |
| Reserve coverage of non-performing loans | 49.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 14.13% |
| Net interest margin | 4.92% |
| Efficiency ratio | 45.00% |
| Yield on earning assets | 7.12% |
| Cost of funds | 2.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.92% |
| Core deposits to total deposits | 81.57% |
| Brokered deposits to total deposits | 11.17% |
| Deposits to assets | 83.40% |
| Securities to assets | 4.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.58% | 15.58% | 16.83% | 14.99% | 2.09% |
| Q4 2023 | 15.23% | 15.23% | 16.48% | 14.63% | 1.60% |
| Q1 2024 | 14.94% | 14.94% | 16.19% | 14.40% | 1.67% |
| Q2 2024 | 14.87% | 14.87% | 16.13% | 14.06% | 1.81% |
| Q3 2024 | 15.08% | 15.08% | 16.34% | 14.18% | 1.36% |
| Q4 2024 | 15.20% | 15.20% | 16.45% | 14.35% | 1.44% |
| Q1 2025 | 15.92% | 15.92% | 17.19% | 14.85% | 1.64% |
| Q2 2025 | 16.02% | 16.02% | 17.28% | 15.23% | 2.02% |
| Q3 2025 | 15.79% | 15.79% | 17.05% | 14.90% | 1.66% |
| Q4 2025 | 15.37% | 15.37% | 16.63% | 14.70% | 1.32% |
| Q1 2026 | 15.15% | 15.15% | 16.41% | 14.66% | 1.79% |
| Q2 2026 | 15.30% | 15.30% | 16.56% | 14.55% | 2.03% |
Northern Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)