Banks | Northern Bank & Trust Company
Language

Northern Bank & Trust Company

For information concerning Northern Bank Direct online bank, please click here .

Northern Bank & Trust Company is an FDIC insured institution headquartered at 275 Mishawum Rd, Woburn, MA 01801.
It was founded in 1960 and has approximately $3 billion in assets. Customers can open an account at one of its 14 branches.

Deposit Rates - December 12, 2025

SAVINGS RATES APY MIN
SAV
4.25% $0 Compare
SAV
0.35% $25 Compare
CD RATES APY MIN
6 Mo CD
5.00% $500 Compare
9 Mo CD
5.00% $500 Compare
10 Mo CD
5.00% $500 Compare
12 Mo CD
4.50% $500 Compare
13 Mo CD
4.75% $500 Compare
15 Mo CD
4.50% $500 Compare
17 Mo CD
4.00% $500 Compare
18 Mo CD
4.00% $500 Compare
24 Mo CD
4.00% $500 Compare
30 Mo CD
4.00% $500 Compare
36 Mo CD
0.60% $500 Compare
48 Mo CD
0.65% $500 Compare
60 Mo CD
0.65% $500 Compare
MM RATES APY MIN
Money Market
0.05% $0 Compare
Money Market
0.10% $2,500 Compare
Money Market
0.15% $50,000 Compare
Money Market
3.25% $50,001 Compare
Money Market
3.35% $100,000 Compare
Money Market
0.20% $250,000 Compare
Money Market
3.50% $250,001 Compare
INT CHECKING RATES APY MIN
INTCK
0.05% $0
INTCK
0.10% $5,000

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18266
Date Established 1960
Assets $ 3.22 billion
Loans $ 2.73 billion
Deposits $ 2.67 billion
Capital $ 473.25 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 172.77 million
Interest-bearing balances $ 167.39 million
Total securities $ 154.76 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.73 billion
Loan loss allowance $ 64.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.33 million
All other assets $ 85.98 million
     Total Assets $ 2.75 billion

LIABILITIES
Total deposits $ 2.67 billion
      Interest-bearing deposits $ 2.19 billion
      Deposits held in domestic offices $ 2.67 billion
      % insured (estimated)" 70.33%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 16.66 million
Subordinated debt N.A.
All other liabilities $ 31.93 millionn
      Total Liabilities $ 2.75 billion
      Shareholders’ Equity $ 473.25 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 117.56 million
Total Interest Expense $ 39.12 million
Net interest income $ 78.44 million
Provision for loan and lease losses $ 12.35 million
Total non interest income $ 2.76 million
Total non interest expense $ 30.13 million
Pre-tax Net Operating Income $ 47.66 million

Customer Reviews for Northern Bank & Trust Company (1)

Rated 1.00 stars out of 5 - based on 1 reviews

  • might be a good as a local bank, but not set up as an online bank

Add Your Review


Rate it here →


Branches

Click on location and enter new zip number to change."
Your current location is: New York City, NY

Northern Bank & Trust Company Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Northern Bank & Trust Company
    Bank
    -
    $50,000
    N.A.
    4.25%
    18.81x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    4.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,125 1,488
    2 52,125 2,215 1,551
    3 54,340 2,309 1,617
    4 56,650 2,408 1,685
    5 59,057 2,510 1,757
    6 61,567 2,617 1,832
    7 64,184 2,728 1,909
    8 66,912 2,844 1,991
    9 69,756 2,965 2,075
    10 72,720 3,091 2,163
    11 75,811 3,222 2,255
    12 79,033 3,359 2,351
    13 82,392 3,502 2,451
    14 85,893 3,650 2,555
    15 89,544 3,806 2,664
    16 93,349 3,967 2,777
    17 97,317 4,136 2,895
    18 101,453 4,312 3,018
    19 105,764 4,495 3,146
    20 110,259 4,686 3,280
    TOTAL $64,945 $45,462
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


    Other Banks to Consider