C
Northern Bank & Trust Company
Woburn,  MA
Rating Date
August 2026
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 2.90
Capitalization Index 10.00
Liquidity Index 0.60
Profitability Index 9.90
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 4.97%
5-Year Asset Growth 4.54%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 4.05%
Non-Performing Loans to Capital 17.55%
Non-Performing Loans to Loans 4.49%
Balance Sheet Northern Bank & Trust Company
Woburn, MA
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Total Assets 3.38B
Total Deposits 2.82B
Capital and Reserves Northern Bank & Trust Company
Woburn, MA
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Capital 478.26M
Leverage Ratio 14.55
Loan Loss Reserves to Loans 2.20%
Risk-Based Capital Ratio 16.56
Liquidity Northern Bank & Trust Company
Woburn, MA
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Hot Money Ratio 19.29%
Liquidity Ratio 11.29%
Profitability Northern Bank & Trust Company
Woburn, MA
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5-Year Return on Average Assets 1.99%
Net Income 31.04M
Net Interest Spread 4.93%
Operating Profit to Average Assets 2.56%
Overhead Efficiency Ratio 47.08%
Return on Assets 1.91%
Return on Equity 13.23%