FDIC Cert #913 · Chicago, Illinois · Est. 1889

The Northern Trust Company - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$176.4B
Total assets
B
Health grade · Good
1.02%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

The Northern Trust Company earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.07% Tier 1, profitable at 1.02% ROA, 71% efficiency ratio.

#25
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.07%
Tier 1 ratio - above the 10% well-capitalized line
44th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 913 · IL B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2054/4307
  • PHOTO-FINISH Upper Peninsula Stat… · MI
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-PAR 1.02% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Upper Peninsula State Bank, MI (±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 The Northern Trust Company

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

Morgan Stanley Bank,… · UT ·…100/100American State Bank · IA · n…79/100Hyden Citizens Bank · KY · n…79/100The Farmers State Bank · OK …79/100The Northern Trust C… · IL ·…79/100Upper Peninsula Stat… · MI ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Northern Trust Company · July 2026

Call Report read for The Northern Trust Company in a high-failure state

The Northern Trust Company (FDIC Cert #913) carries a PlainBankData health grade of B at 79/100, 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 #2,054 of 4,307. Tier 1 capital prints at 12.07%, clearing the 10% well-capitalized line. The Texas Ratio is 0.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.02%. Balance-sheet scale is $176.4B, 25th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Upper Peninsula State Bank (MI), 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 The Northern Trust Company

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

The Northern Trust Company sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about The Northern Trust Company's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

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

How The Northern Trust Company's 79/100 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 avg77/10079/100
The Northern Trust Company's composite health score
Tier 1 Capital Ratio (12.07%) 35/40
Return on Assets (ROA) (1.02%) 20/25
Texas Ratio (0.88%) 20/20
Efficiency Ratio (70.92%) 4/15

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

Balance sheet at a glance

Total Assets

$176.4B

Total balance-sheet footings

Total Deposits

$145.2B

Customer-funded liabilities

Net Loans

$41.8B

Outstanding loan book

Net Income

$1.7B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.67% 12.07% 13.47%
Basel III capital ratios - The Northern Trust Company

Where The Northern Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Northern Trust Company's score of 79/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

79 Top 48% higher than 52% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Northern 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

The Northern 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). The Northern Trust Company's $176.4B falls in the highlighted band.

Capital & credit buffers at The Northern Trust Company

Tier 1 capital ratio
Well-capitalized 10%

12.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.07%
Texas Ratio
0.88%
Equity Capital
$11.4B

What these ratios mean →

Earnings posture at The Northern Trust Company

Return on Assets (ROA)
44th percentile nationally
1.02%
Return on Equity (ROE)
15.34%
Efficiency Ratio
70.92%

What these mean →

Income & expense at The Northern Trust Company

$8.6B
Interest Income
$5.5B
Non-Interest Income
$5.6B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Northern Trust Company reports a Texas Ratio of 0.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

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

National size peers: banks closest to The Northern Trust Company by assets

The Northern Trust Company is closely matched in total assets by KeyBank, Ally Bank, HSBC Bank USA, Regions Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.62%, versus The Northern Trust Company's own 1.02%; the average efficiency ratio is 56.61%, versus 70.92% here; and average Tier 1 capital sits at 12.66%, versus 12.07% at The Northern Trust Company. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $176.4B in assets, The Northern Trust Company sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to The Northern Trust Company nationally by total assets
  1. 1
    KeyBank $181.7B

    Cleveland, OH · Grade A

  2. 2
    Ally Bank $184.6B

    Sandy, UT · Grade A

  3. 3
    HSBC Bank USA $165.3B

    Tysons, VA · Grade A

  4. 4
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  5. 5
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  6. 6
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
The Northern Trust Company (this bank) IL $176.4B 1.02% 70.92% 12.07%
KeyBank National Association OH $181.7B 1.17% 55.67% 12.75%
Ally Bank UT $184.6B 0.91% 49.98% 12.50%
HSBC Bank USA, National Association VA $165.3B 0.92% 56.89% 15.92%
Regions Bank AL $157.4B 1.43% 55.16% 11.72%
American Express National Bank UT $211.3B 3.89% 68.58% 10.94%
Manufacturers and Traders Trust Company NY $212.9B 1.40% 53.40% 12.13%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($176.4B here), outside Illinois so the neighborhood is not state containment.

KeyBank $181.7B · OH Ally Bank $184.6B · UT HSBC Bank USA $165.3B · VA Regions Bank $157.4B · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Northern Trust Company (FDIC Cert #913) - 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.

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

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%
First Mid Bank & Trust, National AssociationMattoon $7.9B A 1.15%