🏦Bank Scorer

NORTHERN BANK & TRUST COMPANY

WOBURN, MA · Supervised by FDIC

Est. 1960FDIC #18,266RSSD: FDIC-18266
Part ofNORTHERN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

None on record

0 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.78%

Institution Profile

FDIC BankFind

Address

275 Mishawum Rd, WOBURN, MA

County

Middlesex County

Established

February 25, 1960

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.7B

Net Loans

$2.8B

Net Income

$14M

ROA

1.78%

ROE

12.30%

Risk-Based Capital

16.41%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.84%Peer avg: 9.91%▼ Below avg
Complaints / $B0.00Peer avg: 0.00▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$2.7B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247669.74%11.84%
20233381.82%3.03%
202226281.3%8.02%
20211,07481.84%6.42%
20201,41473.55%8.91%
201994173.65%6.06%
201841277.91%7.52%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Consumer Complaints

CFPB · through Oct 2023

Last 12 Months

0

All Time

4

Monetary Relief

0%

Untimely Response

0%

Most common complaint type: Checking or savings account· 0 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/d4762d03-b371-423a-a8af-5fa9a09a3673"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: