C
Northern Bank & Trust Company
WoburnMA
Rating Date
October 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 0.50
Profitability Index 10.00
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 1.02%
5-Year Asset Growth 8.89%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 5.79%
Non-Performing Loans to Capital 16.54%
Non-Performing Loans to Loans 6.41%
Balance Sheet Northern Bank & Trust Company
Woburn, MA
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Total Assets 3.23B
Total Deposits 2.66B
Capital and Reserves Northern Bank & Trust Company
Woburn, MA
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Capital 476.01M
Leverage Ratio 14.90
Loan Loss Reserves to Loans 2.39%
Risk-Based Capital Ratio 17.05
Liquidity Northern Bank & Trust Company
Woburn, MA
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Hot Money Ratio 19.55%
Liquidity Ratio 10.10%
Profitability Northern Bank & Trust Company
Woburn, MA
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5-Year Return on Average Assets 2.00%
Net Income 42.01M
Net Interest Spread 5.08%
Operating Profit to Average Assets 2.39%
Overhead Efficiency Ratio 40.01%
Return on Assets 1.77%
Return on Equity 11.96%