C
Northern Bank & Trust Company
WoburnMA
Rating Date
April 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Northern Bank & Trust Company
Woburn, MA
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Rating C
Asset Quality Index 3.20
Capitalization Index 10.00
Liquidity Index 0.40
Profitability Index 8.20
Stability Index 10.00
Company Info Northern Bank & Trust Company
Woburn, MA
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FDIC Number 18266
Phone Number (781) 937-5400
Website www.nbtc.com/
Asset Quality Northern Bank & Trust Company
Woburn, MA
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1-Year Asset Growth 3.60%
5-Year Asset Growth 8.89%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 5.49%
Non-Performing Loans to Capital 21.94%
Non-Performing Loans to Loans 5.78%
Balance Sheet Northern Bank & Trust Company
Woburn, MA
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Total Assets 3.23B
Total Deposits 2.69B
Capital and Reserves Northern Bank & Trust Company
Woburn, MA
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Capital 458.29M
Leverage Ratio 14.35
Loan Loss Reserves to Loans 1.88%
Risk-Based Capital Ratio 16.45
Liquidity Northern Bank & Trust Company
Woburn, MA
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Hot Money Ratio 16.74%
Liquidity Ratio 9.12%
Profitability Northern Bank & Trust Company
Woburn, MA
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5-Year Return on Average Assets 2.03%
Net Income 50.18M
Net Interest Spread 4.47%
Operating Profit to Average Assets 2.14%
Overhead Efficiency Ratio 47.35%
Return on Assets 1.57%
Return on Equity 11.21%