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 Northern Bank & Trust Company
Northern Bank & Trust Company
| RSSD ID 900306 | CERTIFICATE 18266 | ABA NUMBER 11303097 |
| 275 Mishawum Rd |
Quarter Ended : |
2025-12-31 |
| Woburn, Massachusetts, 1801 |
Updated : |
2026-01-27 |
| www.nbtc.com |
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| Institution Profile |
| Year Opened : |
1960 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
14 |
Number of Employees : |
257 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,167,025 |
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Total Interest Income | 231,534 |
| Total Liabilities | 2,705,115 |
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Total NonInterest Income | 5,729 |
| Total Bank Equity Capital | 461,910 |
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Total Interest Expense | 76,336 |
| Total Deposits | 2,589,138 |
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Total NonInterest Expense | 74,395 |
| Net Loans & Leases | 2,756,335 |
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Net Income | 52,426 |
| Loan Loss Allowance | 64,310 |
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Net Charge Offs | 6,400 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 501,178 |
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Total loans | 2,802,067 |
| Total assets for the leverage ratio | 3,149,876 |
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Loans secured by real estate: | 1,549,311 |
| Tier 1 Leverage Ratio | 14.7 |
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Commercial and industrial loans | 1,229,145 |
| Tier 1 Capital Ratio | 15.37 |
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Loans to individuals - Credit Cards | 1 |
| Total Capital Ratio | 16.63 |
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Loans to individuals - Other | 432 |
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:· Northern Bank & Trust Company
