The Northern 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 Reserve coverage of non-performing loans: 45.01 percentage points lower than in Q1 2026, at 194.00%. Within Illinois, The Northern Trust Company is 33rd of 323 on return on assets, 1.94% as of Q2 2026, above the middle of the field. Against a median of 1.21% for banks in the $100B-250B asset tier, The Northern Trust Company reported 1.94% on return on assets in Q2 2026, 0.73 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.09% |
| Tier 1 risk-based capital ratio | 14.09% |
| Total risk-based capital ratio | 16.31% |
| Tier 1 leverage ratio | 6.84% |
| Equity capital to assets | 6.69% |
| Tangible equity to tangible assets | 6.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.97% |
| Allowance for credit losses to loans | 0.37% |
| Reserve coverage of non-performing loans | 194.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.94% |
| Return on equity | 26.91% |
| Net interest margin | 1.80% |
| Efficiency ratio | 72.63% |
| Yield on earning assets | 5.82% |
| Cost of funds | 3.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.59% |
| Core deposits to total deposits | 35.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.94% |
| Securities to assets | 34.29% |
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 | 14.49% | 14.49% | 16.38% | 7.78% | 0.95% |
| Q4 2023 | 14.61% | 14.61% | 16.30% | 7.99% | 0.33% |
| Q1 2024 | 14.23% | 14.23% | 15.83% | 7.44% | 0.62% |
| Q2 2024 | 14.57% | 14.57% | 16.15% | 7.57% | 2.45% |
| Q3 2024 | 13.93% | 13.93% | 15.51% | 7.26% | 1.15% |
| Q4 2024 | 13.55% | 13.55% | 14.98% | 6.87% | 1.22% |
| Q1 2025 | 14.43% | 14.43% | 15.85% | 6.84% | 0.98% |
| Q2 2025 | 14.27% | 14.27% | 15.66% | 6.57% | 1.08% |
| Q3 2025 | 14.49% | 14.49% | 15.88% | 6.97% | 1.19% |
| Q4 2025 | 14.57% | 14.57% | 16.98% | 6.89% | 1.20% |
| Q1 2026 | 14.06% | 14.06% | 16.37% | 6.51% | 1.24% |
| Q2 2026 | 14.09% | 14.09% | 16.31% | 6.84% | 1.94% |
The Northern Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northern 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 The Northern Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 913) · FFIEC NIC profile (RSSD 210434)