Total Assets
$3.4B
Total Deposits
$2.8B
Branches
14
Established
1960
Northern Bank & Trust Company is a bank headquartered in Woburn, Massachusetts, established in 1960. It holds $3.4B in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Northern Bank & Trust Company earns a TFS Financial Health Grade of A (88.4/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
88.4 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Northern Bank & Trust CompanyHQ | 275 Mishawum Rd | Woburn | MA | 11 |
| Northern Bank & Trust Company | 414 Massachusetts Ave | Acton | MA | 11 |
| Northern Bank & Trust Company | 482 Boston Rd | Billerica | MA | 11 |
| Northern Bank & Trust Company | 13 Center St | Burlington | MA | 11 |
| Northern Bank & Trust Company | 14 Littleton Rd | Chelmsford | MA | 11 |
| Northern Bank & Trust Company | 289 Great Rd | Littleton | MA | 11 |
| Northern Bank & Trust Company | 514 Franklin St | Melrose | MA | 11 |
| Northern Bank & Trust Company | 600 Main St | Reading | MA | 11 |
| Northern Bank & Trust Company | 240 Main St | Stoneham | MA | 11 |
| Northern Bank & Trust Company | 430 Boston Post Rd | Sudbury | MA | 11 |
| Northern Bank & Trust Company | 45 Main St | Westford | MA | 11 |
| Northern Bank & Trust Company | 303 Main St | Woburn | MA | 11 |
| Northern Bank & Trust Company | 275 Mishawum Rd | Woburn | MA | 13 |
| Northern Bank & Trust Company | 275 Mishawum Rd | Woburn | MA | 13 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
88.4
Tier 1 capital ratio
14.55%
Return on assets
1.90%
Non-performing loans
2.07%
Efficiency ratio
47.08%
Asset growth (YoY)
4.97%
Suggested direct comparisons
Marlborough, MA
$28.6B
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.