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The Northern Trust Company
Chicago, IL·FDIC Cert #913·Charter: STATE·Est. 18890101.0·HC: NORTHERN TRUST CORP
Total Assets
$176.4B
Q4 2025
Return on Assets
1.02%
+0.02%Peer avg: 1.20%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
70.92%
Peer avg: 52.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.02%+0.02
ROE
15.34%+0.35
Efficiency
70.92%-0.29
Equity/Assets
0.00%+0.00
NPL Ratio
0.24%+0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
28.77%-2.25
Charge-offs
0.00%+0.00
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 | 0.6 | 1.5 | 1.3 | 1.3 | 0.9 | 1.0 | 1.0 | 1.0 |
| ROE | 7.8 | 19.4 | 17.9 | 17.5 | 13.5 | 14.5 | 15.0 | 15.3 |
| Efficiency | 73.3 | 78.3 | 75.6 | 74.2 | 73.7 | 71.8 | 71.2 | 70.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.3 | 0.3 | 0.3 | 0.4 | 0.3 | 0.2 | 0.2 |
| Charge-offs | 0.1 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.0 |
| Loan/Deposit | 37.7 | 33.8 | 33.9 | 34.6 | 30.5 | 31.0 | 31.0 | 28.8 |
Balance Sheet
Total Assets$176.4B
Total Deposits$145.2B
Total Loans$41.8B
Total Equity$11.4B
Profitability
ROA1.02%
ROE15.34%
Efficiency Ratio70.92%
Net Income$1.7B
Risk & Asset Quality
NPL Ratio0.24%
Charge-off Rate0.00%
Loan/Deposit28.77%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans