BlastPoint's Banking Scorecard
The Northern Trust Company
Large
Specialty: International
IL
FDIC cert 913
Chicago, IL
69
banks in Large tier nationally
2 in IL
View Large leaderboard (IL) →
The Northern Trust Company has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 38% in Large
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50% in Large
- - Net Interest Margin 1.90% below tier
- - Efficiency Ratio 15.89% above tier
- - Loan-to-Deposit Ratio 52.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.4B
+13.8% YoY
+4.0% QoQ
|
+$101.5B |
$74.9B
-4.4% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$41.8B
-3.3% YoY
-2.3% QoQ
|
-$4.6B |
$46.4B
-2.1% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$145.2B
+16.2% YoY
+5.3% QoQ
|
+$84.7B |
$60.5B
-4.5% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.02%
-21.2% YoY
+1.6% QoQ
|
-0.18% |
1.19%
+17.8% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
1.56%
+0.1% YoY
+1.0% QoQ
|
-1.90% |
3.46%
+13.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
70.92%
-4.4% YoY
-0.4% QoQ
|
+15.89% |
55.03%
-2.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.24%
-23.6% YoY
+12.2% QoQ
|
-0.63% |
0.88%
-0.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
28.77%
-16.8% YoY
-7.3% QoQ
|
-52.94% |
81.72%
+3.9% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.19%
-3.4% YoY
+0.1% QoQ
|
-0.78% |
19.97%
+0.5% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.06%
-35.1% YoY
+5.4% QoQ
|
-0.49% |
0.55%
+9.0% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
12.07%
+6.0% YoY
+2.5% QoQ
|
-1.26% |
13.33%
-0.7% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
26% |
| Non-Interest Income / Assets ? |
3.13%
-6.9% YoY
+30.2% QoQ
|
+2.05% |
1.09%
+2.4% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#7 of 17 · Top 38% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.13%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
1.02%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Delinquency Rate
metric
Top 9%
in Large
Why this stands out
Current:
0.24%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Large
Why this stands out
Current:
0.06%
(Tier avg: 0.55%, National avg: 0.48%)
Concerns (4)
Margin Compression
decline
#3 of 5 · Bottom 50% in Large
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.02%
(Tier: 1.19%, National: 1.12%)
5 of 5 Large banks match
·
147 nationally
→ Stable
-9 banks QoQ
Net Interest Margin
metric
Bottom 4%
in Large
Why this stands out
Current:
1.56%
(Tier avg: 3.46%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Large
Why this stands out
Current:
70.92%
(Tier avg: 55.03%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Large
Why this stands out
Current:
28.77%
(Tier avg: 81.72%, National avg: 78.04%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 1.09%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.55%
91
91th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.88%
88
88th pctile
Total Assets
Current: $176.4B · Tier avg: $74.9B
88
88th pctile
Total Deposits
Current: $145.2B · Tier avg: $60.5B
64
64th pctile
Total Loans
Current: $41.8B · Tier avg: $46.4B
38
38th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.19%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 19.19% · Tier avg: 19.97%
26
26th pctile
Tier 1 Capital Ratio
Current: 12.07% · Tier avg: 13.33%
6
6th pctile
Efficiency Ratio
Current: 70.92% · Tier avg: 55.03%
4
4th pctile
Net Interest Margin
Current: 1.56% · Tier avg: 3.46%
0
0th pctile
Loan-to-Deposit Ratio
Current: 28.77% · Tier avg: 81.72%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 28.77% · Tier avg: 81.72%
4
4th pctile
Net Interest Margin
Current: 1.56% · Tier avg: 3.46%
6
6th pctile
Efficiency Ratio
Current: 70.92% · Tier avg: 55.03%
26
26th pctile
Tier 1 Capital Ratio
Current: 12.07% · Tier avg: 13.33%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 19.19% · Tier avg: 19.97%
38
38th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.19%
64
64th pctile
Total Loans
Current: $41.8B · Tier avg: $46.4B
88
88th pctile
Total Deposits
Current: $145.2B · Tier avg: $60.5B
88
88th pctile
Total Assets
Current: $176.4B · Tier avg: $74.9B
91
91th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.88%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.55%
99
99th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 1.09%