The Northern Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Chicago, IL, The Northern Trust Company ranks among the largest US commercial banks by total assets. The Q2 2026 balance sheet stands at $178.6B in assets, including $43.8B in loans. Profitability is strong, 1.94% ROA, paired with 26.91% ROE and a 1.80% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 14.09% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.19%. The Northern Trust Company operates a 67-branch network.
As of June 30, 2026, The Northern Trust Company reported a CET1 capital ratio of 14.09%, a return on assets of 1.94%, a nonperforming-loan ratio of 0.19%, a Texas ratio of 0.97%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 50 S La Salle St, Chicago, IL 60603
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1889
- Offices
- 67 domestic
- Employees (FTE)
- 23,363
- Domestic deposits
- $56.95B
- Allowance for credit losses
- $160.8M
- Net charge-offs (YTD)
- -$279K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 913
- Fed RSSD
- 210434
- SEC CIK
- 73124 → filed by NORTHERN TRUST CORPORATION
- Website
- www.northerntrust.com →
- Parent Holding Company
- NORTHERN TRUST CORPORATION (RSSD 1199611) · NTRS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| O'Grady Michael | CEO | Chairman and CEO |
| Fox David W Jr | CFO | EVP & Chief Financial Officer |
| Cherecwich Peter | COO | Chief Operating Officer |
| Hunstad Michael | PRES | President/Asset Management |
| Levy Susan Cohen | GC | EVP and General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.09% | 1.94% | 0.19% | 0.97% | 1.80% |
| Q1 2026 | 14.06% | 1.24% | 0.16% | 0.99% | 1.72% |
| Q4 2025 | 14.57% | 1.20% | 0.20% | 1.02% | 1.80% |
| Q3 2025 | 14.49% | 1.19% | 0.19% | 0.88% | 1.68% |
| Q2 2025 | 14.27% | 1.08% | 0.35% | 1.80% | 1.70% |
| Q1 2025 | 14.43% | 0.98% | 0.22% | 1.67% | 1.57% |
| Q4 2024 | 13.55% | 1.22% | 0.14% | 1.40% | 1.64% |
| Q3 2024 | 13.93% | 1.15% | 0.11% | 1.22% | 1.72% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 58 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Northern Trust Company | Chicago , IL | 60603 | $38.38B |
| Miami Branch | Miami , FL | 33131 | $2.50B |
| Lake Forest Branch | Lake Forest , IL | 60045 | $1.56B |
| Century City Branch | Los Angeles , CA | 90067 | $1.29B |
| Saint Ann Court Branch | Dallas , TX | 75201 | $1.21B |
| Winnetka Branch | Winnetka , IL | 60093 | $670.6M |
| Fort Lauderdale Branch | Fort Lauderdale , FL | 33301 | $659.3M |
| River Oaks Branch | Houston , TX | 77098 | $642.5M |
| Sarasota Branch | Sarasota , FL | 34236 | $628.9M |
| Oakbrook Terrace Branch | Oakbrook Terrace , IL | 60181 | $539.6M |
| New York Office Branch | New York , NY | 10022 | $535.6M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $534.5M |
| San Francisco Branch | San Francisco , CA | 94104 | $508.7M |
| Vero Beach Branch | Vero Beach , FL | 32963 | $410.2M |
| Tampa Branch | Tampa , FL | 33602 | $401.4M |
| Phoenix Branch | Phoenix , AZ | 85016 | $375.8M |
| Greenwich Branch | Greenwich , CT | 06830 | $341.9M |
| Atlanta Branch | Atlanta , GA | 30327 | $336.3M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $336.1M |
| North Palm Beach Branch | North Palm Beach , FL | 33408 | $325.2M |
| Scottsdale Branch | Scottsdale , AZ | 85254 | $301.8M |
| Naples Parkshore Branch | Naples , FL | 34103 | $283.3M |
| Las Vegas Branch | Las Vegas , NV | 89135 | $250.9M |
| Silicon Valley Branch | Menlo Park , CA | 94025 | $241.1M |
| Fort Myers Branch | Fort Myers , FL | 33907 | $214.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2011 | M&A | merger | SEC |
| October 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2011 | Structure Change | Acquired Northern Trust, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1996 | M&A | merger | SEC |
| March 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 1996 | Structure Change | Acquired Northern Trust Bank/DuPage Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1989 | M&A | merger | SEC |
| May 1, 1989 | Structure Change | Acquired Northern Trust Company of Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for The Northern Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 5.6% of deposits in IL, rank 5 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 338 applications, 289 loans originated, $687.9M originated, across 40 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Northern Trust Company
What are The Northern Trust Company's total assets?
As of the Q2 2026 filing, The Northern Trust Company reported total assets of $178.57 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Northern Trust Company headquartered?
The Northern Trust Company is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Northern Trust Company founded?
The Northern Trust Company was established in 1889, per the FDIC institution directory.
Is The Northern Trust Company FDIC-insured?
Yes. The Northern Trust Company is an FDIC-insured commercial bank (FDIC Certificate #913). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Northern Trust Company?
The Northern Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Northern Trust Company's CET1 capital ratio?
The Northern Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 14.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Northern Trust Company operate?
The Northern Trust Company operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Northern Trust Company's Texas Ratio?
The Northern Trust Company's Texas Ratio is 0.97% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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