BlastPoint's Banking Scorecard

The Northern Trust Company

$10B-$250B Specialty: International IL FDIC cert 913

Chicago, IL

65 branches across FL · CA · TX · IL · AZ · MI · CO · CT · DC · GA · MA · MN · MO · NV · NY · OH · PA · WA · WI

137 banks in the $10B-$250B peer group nationally 3 in IL

The Northern Trust Company has 3 strengths but faces 4 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

+ Revenue Diversifier: Top 22.9% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 42.9% in tier
- Net Interest Margin 2.11% below tier average
- ROA 0.12% below tier average
- Efficiency Ratio 13.96% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$173.8B +5.7% YoY -1.4% QoQ	+$126.9B	$47.0B -1.9% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 5.8% in tier
Total Loans ?	$42.3B +4.1% YoY +1.3% QoQ	+$13.0B	$29.4B -0.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$142.3B +6.6% YoY -2.0% QoQ	+$103.9B	$38.4B -1.6% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 5.8% in tier
Return on Assets ?	1.16% +26.5% YoY +14.3% QoQ	-0.12%	1.28% +18.7% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	1.67% +10.8% YoY +6.6% QoQ	-2.11%	3.77% +5.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 2.2% in tier
Efficiency Ratio ?	67.97% -7.8% YoY -4.2% QoQ	+13.96%	54.01% -3.7% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 12.4% in tier
Delinquency Rate ?	0.23% -41.4% YoY -6.2% QoQ	-0.79%	1.02% -3.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 11.8% in tier
Loan-to-Deposit Ratio ?	29.76% -2.3% YoY +3.4% QoQ	-51.03%	80.79% +1.9% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 3.6% in tier
Non-Interest-Bearing Deposit Share ?	20.99% +24.8% YoY +9.4% QoQ	+0.95%	20.04% +0.2% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.06% -42.3% YoY -3.6% QoQ	-0.67%	0.72% +4.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 5.8% in tier
Tier 1 Capital Ratio ?	11.63% -3.0% YoY -3.6% QoQ	-3.89%	15.51% -0.4% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.1% in tier
Non-Interest Income / Assets ?	0.87% +6.6% YoY -72.4% QoQ	+0.64%	0.22% +0.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 1.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Revenue Diversifier

growth

#9 of 35 • Top 22.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.87%

(Tier: 0.22%, National: 0.32%)

better than tier avg

Return on Assets: 1.16%

(Tier: 1.28%, National: 1.23%)

but worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#16 of 35 • Bottom 42.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.63%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ

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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (7 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.87%

Peer Median: 0.22%

#3 of 137 Top 1.5% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 29.76%

Peer Median: 80.79%

#6 of 137 Top 3.6% in $10B-$250B

Total Assets

size

Value: $173.84B

Peer Median: $46.96B

#9 of 137 Top 5.8% in $10B-$250B

Total Deposits

size

Value: $142.29B

Peer Median: $38.42B

#9 of 137 Top 5.8% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.72%

#9 of 137 Top 5.8% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.23%

Peer Median: 1.02%

#17 of 136 Top 11.8% in $10B-$250B

Total Loans

size

Value: $42.34B

Peer Median: $29.36B

#27 of 137 Top 19.0% in $10B-$250B

Top Weaknesses (3 metrics)

135

Net Interest Margin

profitability

Value: 1.67%

Peer Median: 3.77%

#135 of 137 Bottom 2.2% in $10B-$250B

121

Efficiency Ratio

profitability

Value: 67.97%

Peer Median: 54.01%

#121 of 137 Bottom 12.4% in $10B-$250B

120

Tier 1 Capital Ratio

capital

Value: 11.63%

Peer Median: 15.51%

#120 of 137 Bottom 13.1% in $10B-$250B