NORTHERN BCORP INC is the bank holding company. NORTHERN BANK & TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

NORTHERN BCORP INC

Legal name: NORTHERN BANCORP, INC.

1 active bank · $3.3B combined assets

RSSD ID: 1246935 (FFIEC NIC)

Combined Assets

$3.3B

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankNORTHERN BANK & TRUST COMPANYWOBURN, MASatisfactory$3.3BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.3B

1 active bank

Consumer Complaints (12 mo)

None on record

4 all time · filed with CFPB

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$2.7B

Net Income

$14M

ROA (avg)

1.78%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

69.74%

Denial Rate

11.84%

Consumer Complaints

CFPB

Aggregated across all active bank charters in this group.

Last 12 Months

All Time

Top Category

Checking or savings account

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
NORTHERN BANK & TRUST COMPANY	WOBURN, MA	FDIC	$3.3B	100.0%	Satisfactory	Feb 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.