BlastPoint's Banking Scorecard
Northern Bank & Trust Company
Designations: ✓ Community bank
Woburn, MA
14 branches across MA
Northern Bank & Trust Company has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.23% above tier average
- + ROA 0.41% above tier average
- + Efficiency Ratio 11.89% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 25.8% in tier
- - Delinquency Rate 1.25% above tier average
- - Loan-to-Deposit Ratio 20.20% above tier average
- - Nonperforming Asset Ratio 1.39% above tier average
- - Non-Interest Income / Assets 0.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+4.4% YoY
+3.2% QoQ
|
+$451.5M |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$2.8B
+6.6% YoY
+3.1% QoQ
|
+$877.0M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$2.7B
+4.9% YoY
+5.1% QoQ
|
+$378.6M |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
73% |
| Return on Assets ? |
1.78%
+9.5% YoY
+8.5% QoQ
|
+0.41% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
5.05%
-10.1% YoY
-1.9% QoQ
|
+1.23% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Top 5.0% in tier |
| Efficiency Ratio ? |
49.17%
+46.8% YoY
+6.4% QoQ
|
-11.89% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
2.14%
-14.1% YoY
-31.9% QoQ
|
+1.25% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.5% in tier |
| Loan-to-Deposit Ratio ? |
104.40%
+1.6% YoY
-1.9% QoQ
|
+20.20% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 7.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.14%
-9.8% YoY
-3.9% QoQ
|
-4.15% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.06%
-10.8% YoY
-29.3% QoQ
|
+1.39% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.0% in tier |
| Tier 1 Capital Ratio ? |
15.15%
-4.8% YoY
-1.4% QoQ
|
-0.01% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.04%
-16.5% YoY
-79.4% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.7% in tier |
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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 (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.