Chicago, IL · Cert 913 · Northern Trust Corp.
State charter, Fed member · FED · 58 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 6.5% share · #5 of 147 inst. · $41.3B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.00% | 1.02% | 1.16% | 1.47% | +50 bps | |
| Return on Equity | 14.49% | 14.99% | 15.34% | 17.76% | 22.34% | +785 bps | |
| Net Interest Margin | 1.48% | 1.55% | 1.55% | 1.59% | 1.64% | +16 bps | |
| Efficiency Ratio | 71.84% | 71.20% | 70.92% | 67.97% | 70.32% | -152 bps | |
| Non-Interest Burden | 0.11% | 0.07% | 0.06% | -0.09% | 0.05% | -6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.63% | 9.25% | 13.84% | 5.68% | 4.24% | -539 bps | |
| Loan Growth (YoY) | 2.82% | 2.38% | -3.32% | 4.10% | 1.15% | -167 bps | |
| Deposit Growth (YoY) | 6.98% | 13.56% | 8.19% | 7.79% | 10.54% | +356 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.22% | 0.24% | 0.23% | 0.23% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.57% | 6.97% | 6.89% | 6.51% | 6.84% | +27 bps | |
| Total Risk-Based Capital | 12.75% | 13.13% | 14.29% | 13.75% | 13.90% | +115 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.09% | 84.29% | 79.70% | 80.57% | 76.95% | -714 bps | |
| Liquid Assets / Assets | 6.77% | 6.85% | 6.55% | 6.54% | 6.22% | -54 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |