FDIC Cert #18266 · Woburn, Massachusetts · Est. 1960

Northern Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at Northern Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.2B
Total assets
A
Health grade · Excellent
1.64%
Return on assets
15.4%
Tier 1 capital

Data updated July 2026

The verdict

Northern Bank & Trust Company earns a PlainBankData health grade of A (90/100), with well-capitalized at 15.37% Tier 1, profitable at 1.64% ROA, efficient (46% cost ratio).

#404
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
15.37%
Tier 1 ratio - above the 10% well-capitalized line
80th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 18266 · MA A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #792/4307
  • PHOTO-FINISH Webster Bank, Nation… · CT
  • TIER1-WELL 15.4% Tier 1
  • TEXAS-HEALTHY 16.4% Texas
  • ROA-STRONG 1.64% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Massachusetts: Webster Bank, National Association, CT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Northern Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Massachusetts, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cathay Bank · CA · near90/100First National Bank… · MI · …90/100Northern Bank & Trus… · MA ·…90/100River City Bank · CA · near90/100Webster Bank, Nation… · CT ·…90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Northern Bank & Trust Company · July 2026

Plate reading for Northern Bank & Trust Company where failures stay rare

Northern Bank & Trust Company (FDIC Cert #18266) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #792 of 4,307. Tier 1 capital prints at 15.37%, clearing the 10% well-capitalized line. The Texas Ratio is 16.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.64%. Balance-sheet scale is $3.2B, 404th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Webster Bank, National Association (CT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Northern Bank & Trust Company

Only 1 FAILURE resolution in Massachusetts since 2000

Northern Bank & Trust Company is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BUTLER BANK LOWELL, MA 2010 → PEOPLE'S UNITED BANK
  • COMMERCIAL BANK AND TRUST COMPANY LOWELL, MA 1994 → MEDFORD SAVINGS BANK
  • LUDLOW SAVINGS BANK LUDLOW, MA 1994 → ALBANY SAVINGS BANK FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Massachusetts banks.

How Northern Bank & Trust Company's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
Northern Bank & Trust Company's composite health score
Tier 1 Capital Ratio (15.37%) 40/40
Return on Assets (ROA) (1.64%) 25/25
Texas Ratio (16.44%) 10/20
Efficiency Ratio (46.23%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.2B

Total balance-sheet footings

Total Deposits

$2.6B

Customer-funded liabilities

Net Loans

$2.8B

Outstanding loan book

Net Income

$52M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.97% 15.37% 16.77%
Basel III capital ratios - Northern Bank & Trust Company

Where Northern Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Northern Bank & Trust Company's score of 90/100 falls in the highlighted band.

Northern Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 18% higher than 82% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Northern Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Northern Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Northern Bank & Trust Company's $3.2B falls in the highlighted band.

Safety metrics: Northern Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

15.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.37%
Texas Ratio
16.44%
Equity Capital
$462M

What these ratios mean →

Earnings posture at Northern Bank & Trust Company

Return on Assets (ROA)
80th percentile nationally
1.64%
Return on Equity (ROE)
11.23%
Efficiency Ratio
46.23%

What these mean →

Income & expense at Northern Bank & Trust Company

$232M
Interest Income
$6M
Non-Interest Income
$74M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Northern Bank & Trust Company reports a Texas Ratio of 16.44% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

16.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Northern Bank & Trust Company on FDIC BankFind →

Top banks in Massachusetts by total assets

Largest banks headquartered in Massachusetts
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    Eastern Bank $30.6B

    Boston, MA · Grade B

  3. 3
    Rockland Trust Company $24.9B

    Rockland, MA · Grade A

  4. 4
    Beacon Bank and Trust $23.2B

    Brookline, MA · Grade B

  5. 5
    Salem Five Cents Savings Bank $8.5B

    Salem, MA · Grade A

Top 5 banks in Massachusetts ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.2B here), outside Massachusetts so the neighborhood is not state containment.

First Western Trust Bank $3.2B · CO WestStar Bank $3.1B · TX The Bank of Greene County $3.1B · NY 1st Security Bank of Washington $3.2B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Northern Bank & Trust Company (FDIC Cert #18266) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Northern Bank & Trust Company Call Report profile · FDIC Failed Bank List · Massachusetts FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Massachusetts

All Massachusetts banks →
BankAssetsGradeROA
State Street Bank and Trust CompanyBoston $360.7B A 0.83%
Eastern BankBoston $30.6B B 0.39%
Rockland Trust CompanyRockland $24.9B A 1.03%
Beacon Bank and TrustBrookline $23.2B B 0.63%
Salem Five Cents Savings BankSalem $8.5B A 0.89%
Cambridge Savings BankCambridge $6.9B B 0.97%
Needham BankNeedham $6.9B B 0.90%
Middlesex Savings BankNatick $6.2B B 0.54%