The Northern 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 Loans held for sale: 100.0% lower than in Q1 2026, at $0. The Northern Trust Company has the 5th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 29.59% as of Q2 2026. The Northern Trust Company's loan-to-deposit ratio of 29.59% is well below the 81.12% median for banks in the $100B-250B asset tier, a gap of 51.53 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.82B |
| Net loans and leases | $43.66B |
| Loans held for sale | $0 |
| Loans to total assets | 24.54% |
| Loan-to-deposit ratio | 29.59% |
| Net loans to equity capital | 3.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.57% |
| Multifamily (5+ residential) | 3.40% |
| Commercial and industrial | 9.09% |
| Consumer | 0.96% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.69% |
| Construction concentration (Tier 1 capital + allowance) | 6.34% |
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 | 4.98% |
| Interest income on loans | $517.0M |
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 | $43.58B | $110.82B | 9.34% | 11.65% | 0.86% |
| Q4 2023 | $47.62B | $117.02B | 8.60% | 10.01% | 0.76% |
| Q1 2024 | $47.34B | $125.15B | 8.93% | 9.84% | 0.68% |
| Q2 2024 | $42.14B | $124.25B | 9.80% | 11.40% | 0.90% |
| Q3 2024 | $41.95B | $123.12B | 10.10% | 11.75% | 0.83% |
| Q4 2024 | $43.39B | $124.95B | 9.78% | 9.74% | 0.84% |
| Q1 2025 | $40.83B | $133.48B | 10.43% | 10.17% | 0.87% |
| Q2 2025 | $43.32B | $139.33B | 9.81% | 9.39% | 0.81% |
| Q3 2025 | $42.95B | $137.91B | 10.09% | 9.13% | 0.80% |
| Q4 2025 | $41.95B | $145.22B | 10.41% | 9.20% | 0.87% |
| Q1 2026 | $42.51B | $142.29B | 9.84% | 9.07% | 0.91% |
| Q2 2026 | $43.82B | $148.11B | 9.57% | 9.09% | 0.96% |
The Northern Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northern 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 The Northern Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 913) · FFIEC NIC profile (RSSD 210434)