Northern Bank & Trust Company
Woburn, MA · Cert 18266 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Northern Bcorp Inc.
State charter, non-member · FDIC · 14 branches
Q2 2026
$3.4BAssets
$2.9BLoans
$2.8BDeposits
$478.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 1 of 27).
- Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 26 of 27).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.83%
Rank 2 of 27
Net Interest Margin
4.69%
Rank 1 of 27
Efficiency Ratio
47.08%
Rank 3 of 27
Equity / Assets
14.13%
Rank 5 of 27
Non-interest income vs. expense
Unfavorable gap of $69.6M · efficiency ratio beats 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.48% | 0.78% | 0.99% | Beats 93% | 2 / 27 | |
| Return on Equity | 12.98% | 5.50% | 7.06% | 8.20% | Beats 93% | 2 / 27 | |
| Net Interest Margin | 4.69% | 2.49% | 2.70% | 3.34% | Beats 96% | 1 / 27 | |
| Efficiency Ratio | 47.08% | 59.27% | 68.19% | 75.85% | Beats 93% | 3 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.07% | 0.20% | 0.58% | 1.15% | Beats 7% | 26 / 27 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 33% | 19 / 27 | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 13.21% | 14.69% | 16.81% | Beats 56% | 12 / 27 | |
| Total Risk-Based Capital Ratio | 16.56% | 13.71% | 15.43% | 18.07% | Beats 56% | 12 / 27 | |
| Equity / Assets | 14.13% | 9.62% | 11.14% | 13.14% | Beats 81% | 5 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 102.92% | 91.42% | 101.19% | 107.11% | 63rd pctl | 10 / 27 | |
| Loans / Assets | 85.84% | 75.31% | 80.56% | 83.39% | 81st pctl | 5 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |