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Northern Bank & Trust Company
Woburn, MA·FDIC Cert #18266·Charter: STATE·Est. 19600225.0·HC: NORTHERN BCORP INC
Total Assets
$3.2B
Q4 2025
Return on Assets
1.64%
-0.11%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.23%
Peer avg: 58.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.64%-0.11
ROE
11.23%-0.74
Efficiency
46.23%+6.22
Equity/Assets
0.00%+0.00
NPL Ratio
3.14%-0.13
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
106.46%+2.64
Charge-offs
0.23%+0.12
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.7 | 1.6 | 1.6 | 1.6 | 1.8 | 1.7 | 1.6 |
| ROE | 11.8 | 12.5 | 11.6 | 11.2 | 11.2 | 12.3 | 12.0 | 11.2 |
| Efficiency | 43.8 | 43.1 | 44.9 | 47.3 | 33.5 | 37.1 | 40.0 | 46.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.6 | 1.7 | 1.3 | 2.2 | 2.5 | 2.6 | 3.3 | 3.1 |
| Charge-offs | 0.1 | 0.0 | 0.2 | 0.1 | 0.2 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 102.3 | 99.9 | 105.5 | 103.4 | 102.8 | 102.4 | 103.8 | 106.5 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.6B
Total Loans$2.8B
Total Equity$461.9M
Profitability
ROA1.64%
ROE11.23%
Efficiency Ratio46.23%
Net Income$52.4M
Risk & Asset Quality
NPL Ratio3.14%
Charge-off Rate0.23%
Loan/Deposit106.46%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans