Vitals
  • Total Assets
    1.7B 20.3 %
  • Total Deposits
    1.3B 10.9 %
  • Total Net Loans
    1.5B 25.7 %
  • Net Income
    21.8M 10.9 %
  • Book Value
    179.3M 37.8 %
  • Book Value x2
    358.7M 37.8 %
  • Book Value x3
    538.0M 37.8 %
ROAA

1.443

ROAE

13.765

Efficiency Ratio

42.64

Net Interest Margin

4.502

Balance Sheet Highlights
Financial Highlights Northern Bank & Trust Company All Insured Commercial Banks in Massachusetts
Balance Sheet $(000)
Total Assets 1,692,931 1,195,734
Total Net Loans 1,478,974 884,564
Total Deposits 1,341,111 973,316
Total Equity 179,330 117,275
Profitability
Net Income 21,818 8,869
Return on Average Assets 1.443 .594
Return on Average Equity 13.765 5.855
Net Interest Margin 4.502 3.257
Efficiency Ratio 42.64 73.516
Noninterest Income/Revenue 6.112 17.101
Balance Sheet Ratios
Loan-to-Deposit 110.28 91.006
Securities/Assets .028 .127
Total Equity/Total Assets .106 .098
Tangible Equity/Tangible Assets .106 .09
Capital Adequacy
Tier 1 Common Capital 181,776 108,595
Tier 1 Capital 181,776 108,997
Tier 2 Capital 20,493 9,379
Total Capital 202,269 118,886
Total Risk Weighted Assets 1,638,579 863,428
Leverage Ratio 11.14 10.038
Common Equity Tier 1 Capital Ratio 11.09 14.848
Tier 1 Capital Ratio 11.09 14.854
Total Capital Ratio 12.34 15.826

Timeline for Northern Bank & Trust Company

Northern 1031 Exchange Llc

Northern 1031 Exchange Llc became a new subsidiary organization for Northern Bank & Trust Company.

View Profile Oct 13 2015

289 Great Road Realty Trust Llc

289 Great Road Realty Trust Llc became a new subsidiary organization for Northern Bank & Trust Company.

View Profile Nov 13 2013

Nbtc Realty Llc

Nbtc Realty Llc became a new subsidiary organization for Northern Bank & Trust Company.

View Profile Oct 05 2007

N.B. & T. Securities Corp Iv

N.B. & T. Securities Corp Iv became a new subsidiary organization for Northern Bank & Trust Company.

View Profile Jul 10 2006

N. B. & T. Securities Corp., Ii

N. B. & T. Securities Corp., Ii became a new subsidiary organization for Northern Bank & Trust Company.

View Profile Jan 20 1999

Want to see more?

Complete timeline for Northern Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Comfed Savings Bank, F.A. Seller 892,536 Failure 9/14/1991
Relationships Role Relationship Start Relationship End
Northern Bancorp, Inc. Parent 6/19/1987
N. B. & T. Securities Corp., Ii Subsidary 6/30/2007
N.B. & T. Securities Corp Iv Subsidary 6/30/2007
Nbtc Realty Llc Subsidary 10/5/2007
289 Great Road Realty Trust Llc Subsidary 11/13/2013
Northern 1031 Exchange Llc Subsidary 10/13/2015
Rabbi Trust Subsidary 6/30/2007 8/13/2008
N. B. & T. Securities Corp., Ii Subsidary 1/20/1999 6/29/2007
Rabbi Trust Subsidary 2/17/1993 6/29/2007
N.B. & T. Securities Corp Iv Subsidary 7/10/2006 6/29/2007
N.B.&T. Securities Corp Subsidary 11/15/1994 10/19/2006
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