The Northern 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: 13.9% higher than in Q1 2026, at -$518.6M. Within Illinois, The Northern Trust Company is 118th of 198 on CET1 ratio, 14.09% as of Q2 2026, below the middle of the field. The Northern Trust Company reported 14.09% on CET1 ratio for Q2 2026, 1.73 points above the 12.36% median for banks in the $100B-250B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.09% |
| Tier 1 risk-based capital ratio | 14.09% |
| Total risk-based capital ratio | 16.31% |
| Tier 1 leverage ratio | 6.84% |
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 | $11.08B |
| Tier 1 capital | $11.08B |
| Total risk-based capital | $13.02B |
| Total equity capital | $11.94B |
| Risk-weighted assets | $93.70B |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 11.83% |
| Tier 1 capital / risk-weighted assets | 11.83% |
| Total risk-based capital / risk-weighted assets | 13.90% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.69% |
| Tangible equity to tangible assets | 6.32% |
| Equity capital to average assets | 7.33% |
| Internal capital growth rate | 10.92% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $2.30B |
| Retained earnings | $10.16B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$518.6M |
| Subordinated notes and debentures | $1.76B |
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 | 14.49% | 14.49% | 16.38% | 7.78% | $87.71B |
| Q4 2023 | 14.61% | 14.61% | 16.30% | 7.99% | $88.74B |
| Q1 2024 | 14.23% | 14.23% | 15.83% | 7.44% | $90.09B |
| Q2 2024 | 14.57% | 14.57% | 16.15% | 7.57% | $85.76B |
| Q3 2024 | 13.93% | 13.93% | 15.51% | 7.26% | $85.81B |
| Q4 2024 | 13.55% | 13.55% | 14.98% | 6.87% | $87.74B |
| Q1 2025 | 14.43% | 14.43% | 15.85% | 6.84% | $84.98B |
| Q2 2025 | 14.27% | 14.27% | 15.66% | 6.57% | $90.21B |
| Q3 2025 | 14.49% | 14.49% | 15.88% | 6.97% | $88.70B |
| Q4 2025 | 14.57% | 14.57% | 16.98% | 6.89% | $87.70B |
| Q1 2026 | 14.06% | 14.06% | 16.37% | 6.51% | $91.74B |
| Q2 2026 | 14.09% | 14.09% | 16.31% | 6.84% | $93.70B |
The Northern Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northern 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 The Northern Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 913) · FFIEC NIC profile (RSSD 210434)