BlastPoint's Banking Scorecard
Northern Bank & Trust Company
Community
Specialty: Commercial
MA
FDIC cert 18266
Woburn, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Northern Bank & Trust Company has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.48% above tier
- + Efficiency Ratio 16.40% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 30% in Community
- - Liquidity Strain: Bottom 43% in Community
- - Capital Constraint: Bottom 89% in Community
- - Delinquency Rate 2.51% above tier
- - Nonperforming Asset Ratio 2.41% above tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
-1.9% YoY
-1.9% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.8B
-0.8% YoY
-0.1% QoQ
|
+$1.8B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$2.6B
-3.7% YoY
-2.6% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.64%
+5.1% YoY
-6.2% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
5.14%
+13.5% YoY
+0.4% QoQ
|
+1.48% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
46.23%
-2.4% YoY
+15.5% QoQ
|
-16.40% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
3.14%
+39.9% YoY
-4.1% QoQ
|
+2.51% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
106.46%
+3.0% YoY
+2.5% QoQ
|
+23.40% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.84%
-1.2% YoY
-3.9% QoQ
|
-3.21% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
2.91%
+24.4% YoY
-2.0% QoQ
|
+2.41% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.37%
+1.1% YoY
-2.6% QoQ
|
+5.13% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.18%
-7.6% YoY
+33.1% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.14%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 10%
in Community
Why this stands out
Current:
46.23%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (6)
Deposit Outflow
decline
#74 of 248 · Bottom 30% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Strain
risk
#223 of 513 · Bottom 43% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
106.46%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#42 of 47 · Bottom 89% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
106.46%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
15.37%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.14%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.91%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
95
95th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.66%
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
90
90th pctile
Efficiency Ratio
Current: 46.23% · Tier avg: 62.63%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.37% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.84% · Tier avg: 21.05%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.46% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.91% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.91% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.14% · Tier avg: 0.63%
5
5th pctile
Loan-to-Deposit Ratio
Current: 106.46% · Tier avg: 83.06%
10
10th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.84% · Tier avg: 21.05%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.37% · Tier avg: 10.24%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
90
90th pctile
Efficiency Ratio
Current: 46.23% · Tier avg: 62.63%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
95
95th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.66%
96
96th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M