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Northern Bank & Trust Company

$1B-$10B Specialty: Commercial MA FDIC cert 18266

Designations: ✓ Community bank

Woburn, MA

14 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
  • Deposits +5.8% year over year ($2.8B on the books).
  • Delinquency rate 2.11%.
  • Return on assets 1.90%.
  • Efficiency ratio 47.08% vs a 59.73% peer average.
  • Loan-to-deposit ratio 100.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

Northern Bank & Trust Company has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 1.15% above tier average
  • + ROA 0.51% above tier average
  • + Efficiency Ratio 12.65% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 25.8% in tier
  • - Liquidity Strain: Bottom 47.4% in tier
  • - Delinquency Rate 1.25% above tier average
  • - Nonperforming Asset Ratio 1.29% above tier average
  • - Non-Interest Income / Assets 0.44% below tier average
Get updates when Northern Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $3.4B
+5.0% YoY +3.6% QoQ
+$591.6M $2.8B
-0.6% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $2.8B
+3.9% YoY -0.0% QoQ
+$878.4M $2.0B
-0.3% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $2.8B
+5.8% YoY +3.7% QoQ
+$504.2M $2.3B
-0.5% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.90%
+5.7% YoY +6.6% QoQ
+0.51% 1.39%
+17.0% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 5.02%
-3.4% YoY -0.5% QoQ
+1.15% 3.87%
+6.2% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Top 4.9% in tier
Efficiency Ratio ? 47.08%
+26.9% YoY -4.3% QoQ
-12.65% 59.73%
-12.6% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 2.11%
-17.2% YoY -1.1% QoQ
+1.25% 0.87%
+11.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Bottom 8.0% in tier
Loan-to-Deposit Ratio ? 100.66%
-1.7% YoY -3.6% QoQ
+15.62% 85.04%
-0.1% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 12.7% in tier
Non-Interest-Bearing Deposit Share ? 19.58%
+8.1% YoY +14.3% QoQ
-1.69% 21.27%
-1.5% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 1.97%
-9.1% YoY -4.4% QoQ
+1.29% 0.67%
+11.7% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Bottom 6.2% in tier
Tier 1 Capital Ratio ? 15.30%
-4.5% YoY +1.0% QoQ
+0.46% 14.84%
-0.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.09%
+3.0% YoY +137.3% QoQ
-0.44% 0.53%
+2.5% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
Bottom 7.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 19.6%
+1.5pp YoY
+2.4pp QoQ
 -1.8pp 21.4% 16.2% 22.2% 49%
Brokered Deposits 11.2%
-9.4pp YoY
-1.1pp QoQ
 +1.7pp 9.5% 6.1% 8.5% 72%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I 45.2%
+0.2pp YoY
+0.3pp QoQ
 +31.2pp 14.0% 6.5% 12.5% 97%
CRE 43.1%
-1.1pp YoY
-0.2pp QoQ
 -6.9pp 50.0% 40.3% 41.4% 30%
1-4 Family 13.3%
+0.7pp YoY
-0.1pp QoQ
 -13.1pp 26.4% 52.4% 31.3% 26%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 1.6% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 15.3%
-0.7pp YoY
+0.2pp QoQ
 -0.3pp 15.6% 16.6% 19.7% 73%
Leverage Ratio 14.6%
-0.7pp YoY
-0.1pp QoQ
 +3.2pp 11.3% 11.5% 12.6% 92%
Total Capital Ratio 16.6%
-0.7pp YoY
+0.1pp QoQ
 -0.1pp 16.7% 17.5% 20.8% 73%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 260
-1 (-0.4%) YoY
+5 (+2.0%) QoQ
 -54 313 755 482 58%
Assets per Employee ($) $13.0M
+5.4% YoY
+1.6% QoQ
 +$2.5M $10.5M $10.7M $8.8M 84%
Branch Count 14
0 YoY
0 QoQ
 -6 20 13 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 2.1%
-0.4pp YoY
0.0pp QoQ
 +1.3pp 0.8% 0.8% 1.0% 94%
Allowance Coverage 1.06x
+14.5% YoY
+0.4% QoQ
 -17.65x 18.71x 7.95x 20.23x 26%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 13.2%
+0.9pp YoY
+0.9pp QoQ
 +0.6pp 12.6% 5.6% 11.6% 59%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.9% 2.0% 1.7% 75%
Net Income ($, YTD) $31.0M
+8.3% YoY
— QoQ
 +$11.8M $19.2M $31.7M $40.4M 83%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#9 of 31 • Bottom 25.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 47.08%
(Tier: 59.73%, National: 70.05%)
better than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Liquidity Strain

risk
#172 of 361 • Bottom 47.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 100.66%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

44
Net Interest Margin
profitability
Value: 5.02%
Peer Median: 3.87%
#44 of 885 Top 4.9% in $1B-$10B
134
Return on Assets
profitability
Value: 1.90%
Peer Median: 1.39%
#134 of 885 Top 15.0% in $1B-$10B
142
Efficiency Ratio
profitability
Value: 47.08%
Peer Median: 59.73%
#142 of 885 Top 15.9% in $1B-$10B
172
Total Loans
size
Value: $2.84B
Peer Median: $1.96B
#172 of 885 Top 19.3% in $1B-$10B
214
Tier 1 Capital Ratio
capital
Value: 15.30%
Peer Median: 14.84%
#214 of 885 Top 24.1% in $1B-$10B
219
Total Assets
size
Value: $3.38B
Peer Median: $2.79B
#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (4 metrics)

831
Nonperforming Asset Ratio
credit_quality
Value: 1.97%
Peer Median: 0.67%
#831 of 885 Bottom 6.2% in $1B-$10B
818
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.53%
#818 of 885 Bottom 7.7% in $1B-$10B
812
Delinquency Rate
credit_quality
Value: 2.11%
Peer Median: 0.87%
#812 of 882 Bottom 8.0% in $1B-$10B
774
Loan-to-Deposit Ratio
liquidity
Value: 100.66%
Peer Median: 85.04%
#774 of 885 Bottom 12.7% in $1B-$10B
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