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Northern Bank & Trust Company
Woburn, MA · FDIC Certificate #18266 · Chartered 02/2
Total assets
$3.38B
Total deposits
$2.82B
Total equity
$478.26M
Net loans
$2.84B
Branches (offices)
14
Net income (YTD)
$31.04M
Rank: #381 of 4,213 U.S. banks by assets · #14 of 89 in Massachusetts. Assets changed 5.0% and deposits 5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 13.22% |
| Net interest margin (YTD) | 5.02% |
| Equity to assets | 14.13% |
| Tier 1 leverage ratio | 14.55% |
| Uninsured deposits (share of deposits) | 33.0% |
| Noncurrent loans (share of loans) | 2.07% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 100.7% |
| Real estate loans (share of loans) | 56.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.60B | 56.4% | |
| Commercial & industrial | $1.28B | 45.2% | |
| Consumer / individual | $409.00K | 0.0% | |
| Construction & development | $351.17M | 12.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.79B | $2.32B | $34.12M | $388.28M |
| Jun 2023 | $2.99B | $2.43B | $32.82M | $423.47M |
| Jun 2024 | $3.31B | $2.79B | $27.63M | $448.85M |
| Jun 2025 | $3.22B | $2.67B | $28.67M | $473.25M |
| Jun 2026 | $3.38B | $2.82B | $31.04M | $478.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $2.82B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.82B.
Similar-sized banks
First Dakota National Bank ($3.39B) · Banterra Bank ($3.36B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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