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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

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 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in IL.
  • Deposits +6.3% year over year ($148.1B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.47%.
  • Efficiency ratio 70.32% vs a 53.67% peer average.
  • Loan-to-deposit ratio 29.48% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 3 in IL
View $10B-$250B leaderboard (IL) →

The Northern Trust Company has 4 strengths but faces 3 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 25.7% in tier
  • + Nonperforming Asset Ratio 0.68% below tier average
  • + ROA 0.09% above 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 2.25% below tier average
  • - Efficiency Ratio 16.65% above tier average
Get updates when The Northern Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $178.6B
+4.2% YoY +2.7% QoQ
+$135.0B $43.6B
-13.8% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 4.3% in tier
Total Loans ? $43.7B
+1.2% YoY +3.1% QoQ
+$15.7B $28.0B
-8.6% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $148.1B
+6.3% YoY +4.1% QoQ
+$112.7B $35.4B
-14.0% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 4.3% in tier
Return on Assets ? 1.47%
+51.9% YoY +26.7% QoQ
+0.09% 1.39%
+25.9% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 1.67%
+6.9% YoY +0.5% QoQ
-2.25% 3.92%
+8.9% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 2.9% in tier
Efficiency Ratio ? 70.32%
-2.1% YoY +3.5% QoQ
+16.65% 53.67%
-1.9% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 9.4% in tier
Delinquency Rate ? 0.23%
-24.3% YoY -0.4% QoQ
-0.79% 1.01%
-2.8% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 10.9% in tier
Loan-to-Deposit Ratio ? 29.48%
-4.8% YoY -0.9% QoQ
-53.13% 82.61%
+3.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 3.6% in tier
Non-Interest-Bearing Deposit Share ? 19.41%
+5.3% YoY -7.5% QoQ
-1.17% 20.58%
+4.9% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.06%
-26.5% YoY -0.1% QoQ
-0.68% 0.73%
+5.8% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 5.0% in tier
Tier 1 Capital Ratio ? 11.83%
+3.8% YoY +1.7% QoQ
-3.52% 15.35%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 1.70%
+8.0% YoY +95.6% QoQ
+1.20% 0.50%
+10.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 2.9% 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 (IL) National Avg Tier Percentile
Noninterest-Bearing 19.4%
+1.0pp YoY
-1.6pp QoQ
 -1.6pp 21.0% 20.1% 22.2% 32%
Brokered Deposits n/a n/a 9.2% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 9.1%
-0.3pp YoY
0.0pp QoQ
 -8.1pp 17.2% 14.7% 12.5% 17%
CRE 14.7%
-0.3pp YoY
-0.2pp QoQ
 -27.4pp 42.0% 37.9% 41.4% 6%
1-4 Family 13.7%
-0.3pp YoY
-0.3pp QoQ
 -9.4pp 23.1% 28.3% 31.3% 26%
Consumer 1.0%
+0.1pp YoY
0.0pp QoQ
 -11.9pp 12.9% 5.4% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.4pp YoY
+0.2pp QoQ
 -3.4pp 15.3% 19.9% 19.7% 19%
Leverage Ratio 6.8%
+0.3pp YoY
+0.3pp QoQ
 -3.6pp 10.4% 12.2% 12.6% 1%
Total Capital Ratio 13.9%
+1.2pp YoY
+0.2pp QoQ
 -2.6pp 16.5% 20.9% 20.8% 40%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 23,363
+134 (+0.6%) YoY
-69 (-0.3%) QoQ
 +20,105 3,258 228 482 99%
Assets per Employee ($) $7.6M
+3.6% YoY
+3.0% QoQ
 -$19.4M $27.0M $8.3M $8.8M 7%
Branch Count 65
0 YoY
0 QoQ
 -73 137 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.4% 0.4% 60%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.7% 1.1% 1.0% 11%
Allowance Coverage 1.62x
+16.3% YoY
-2.7% QoQ
 -1.19x 2.81x 5.62x 20.23x 43%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.1% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 22.3%
+7.8pp YoY
+4.6pp QoQ
 +9.7pp 12.6% 10.5% 11.6% 93%
Cost of Funds (YTD) 3.9%
-0.4pp YoY
-0.1pp QoQ
 +1.9pp 2.0% 1.6% 1.7% 99%
Net Income ($, YTD) $1.3B
+63.7% YoY
— QoQ
 +$1.0B $296.8M $11.7M $40.4M 97%

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
#10 of 35 • Top 25.7% 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: 1.70%
(Tier: 0.50%, National: 0.66%)
better than tier avg
Return on Assets: 1.47%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

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: 11.83%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

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 139 peers in $10B-$250B

Top Strengths (7 metrics)

5
Non-Interest Income / Assets
revenue_mix
Value: 1.70%
Peer Median: 0.50%
#5 of 139 Top 2.9% in $10B-$250B
6
Loan-to-Deposit Ratio
liquidity
Value: 29.48%
Peer Median: 82.61%
#6 of 139 Top 3.6% in $10B-$250B
7
Total Assets
size
Value: $178.57B
Peer Median: $43.60B
#7 of 139 Top 4.3% in $10B-$250B
7
Total Deposits
size
Value: $148.11B
Peer Median: $35.42B
#7 of 139 Top 4.3% in $10B-$250B
8
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.73%
#8 of 139 Top 5.0% in $10B-$250B
16
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 1.01%
#16 of 138 Top 10.9% in $10B-$250B
26
Total Loans
size
Value: $43.66B
Peer Median: $27.97B
#26 of 139 Top 18.0% in $10B-$250B

Top Weaknesses (3 metrics)

136
Net Interest Margin
profitability
Value: 1.67%
Peer Median: 3.92%
#136 of 139 Bottom 2.9% in $10B-$250B
127
Efficiency Ratio
profitability
Value: 70.32%
Peer Median: 53.67%
#127 of 139 Bottom 9.4% in $10B-$250B
114
Tier 1 Capital Ratio
capital
Value: 11.83%
Peer Median: 15.35%
#114 of 139 Bottom 18.7% in $10B-$250B
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