Northern Bank & Trust Company
Woburn, MA
IDRSSD: 900306
Total Assets
$3.23B
Latest filing
Total Deposits
$2.66B
Latest filing
Net Interest Margin
4.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Northern Bank & Trust Company
275 Mishawum Rd
Woburn, MA 01801
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/25/1960FDIC Certificate 12182
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Northern Bank & Trust Company (Main) | 275 Mishawum Rd | Woburn, MA |
| BILLERICA BRANCH | 482 Boston Rd | Billerica, MA |
| WESTFORD BRANCH | 45 Main St | Westford, MA |
| MELROSE BRANCH | 514 Franklin St | Melrose, MA |
| WOBURN BRANCH | 303 Main St | Woburn, MA |
| BURLINGTON BRANCH | 13 Center St | Burlington, MA |
| LITTLETON BRANCH | 265 Great Rd | Littleton, MA |
| ACTON BRANCH | 414 Massachusetts Ave | Acton, MA |
Showing 7 of 13
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/25/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01801 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 261 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 06/23/1960 |
| Primary Insurance Agency | DIF |
| Website | www.nbtc.com |
| Data Updated | 11/14/2025 |
| CERT | 18266 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.23B |
| Total Deposits | $2.66B |
| Total Liabilities | $2.75B |
| Total Equity Capital | $476.01M |
| Net Income | $13.34M |
| Net Loans and Leases | $2.76B |
| Assets Per Employee ($Millions) | $12.72M |
| Bank Premises and Fixed Assets | $58.83M |
| Cash and Balances due from Depository Institutions | $132.37M |
| Deposits Held in Domestic Offices | $2.66B |
Key Performance Ratios
| Return on Assets (ROA) | 1.65% |
| Return on Equity (ROE) | 11.24% |
| Net Interest Margin | 4.96% |
| Efficiency Ratio | 45.99% |
| Tier 1 Risk-Based Capital Ratio | 15.786% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.42% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.739% |
| Earning Assets to total Assets | 94.37% |
Income and Expense
| Total Interest Income | $57.22M |
| Total Noninterest Income | $1.63M |
| Total Interest Expense | $19.35M |
| Total Noninterest Expense | $18.16M |
| Net Interest Income | $37.87M |
| Pre-tax Net Operating Income | $17.91M |
| Provision for Credit Losses | $3.43M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $5.75M |
| Other borrowed funds | $56.48M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $39.94M |
| Total Liabilities and Capital | $3.23B |
Securities
| Securities | $162.11M |
| Available-for-sale debt securities | $160.83M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Northern Bank & Trust Company?
$3.23B as of the latest filing.
How much are Northern Bank & Trust Company's total deposits?
$2.66B in total deposits.
Where is Northern Bank & Trust Company located?
Woburn, MA.
What is the Net Interest Margin?
4.96%.
How many domestic offices does it operate?
14.
When was it established?
02/25/1960.
What is the Return on Assets (ROA)?
1.65%.
How much are total loans and leases?
$2.76B (latest filing).
What is the total interest income (latest filing)?
$57.22M.