Northern Bank & Trust Company

275 Mishawum Road
Woburn, MA 01801
800.273.6908
www.nbtc.com

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Northern Bank & Trust Company is headquartered in Woburn and is the 34^th largest bank in the state of Massachusetts. It is also the 738^th largest bank in the nation. It was established in 1960 and as of March of 2013, it had grown to 134 employees at 11 locations. Northern Bank & Trust Company's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Top 18-Month CD Rate at Northern Bank & Trust Company - Online Application - 6/17/2013

Northern Bank & Trust Company is offering an 18-month CD and IRA CD with a 1.15% APY. Minimum deposit is $500, and the maximum is $500,000. This can be opened online and is available for personal and ...

Northern Bank And Trust 17 Month CD At 1.25% Is Over (Forum) - 3/4/2013

Just an update. Just off the phone with a CSR, the 17m CD at 1.25% is over

17-Month CD Special at Northern Bank & Trust Company - Online Application - 1/11/2013

Northern Bank & Trust Company is having two deposit specials. The first is a 17-month CD with a 1.25% APY. Minimum deposit is $500, and the maximum is $500,000. This can be opened online and is availa ...

Competitive 18-Month CD Special at Northern Bank & Trust Company in MA - Local Only - 1/24/2010

Northern Bank & Trust Company is advertising a 2.00% APY 18-month CD special. Minimum deposit is $500. This special doesn't seem to be listed at the bank's website. It was advertised in the 1/21/ ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Northern Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
0.50%	$10k	-	Northern Premium Checking
0.05%	-	-	Northern Plus Checking
0.05%	-	-	Non-profit NOW Account

Northern Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
1.00%	-	$250k	Business Investment Savings Special
0.35%	$100k	-	Northern Light Savings
0.35%	$100k	-	Northern Business Investment Savings
0.15%	-	-	Statement Savings
0.15%	-	-	Basic Passbook Savings
0.15%	-	-	Non-profit Statement Savings

Northern Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.35%	$50k	-	Money Market
0.35%	$50k	-	Northern Business Money Market

Northern Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.15%	$500	-	18 Month CD
1.10%	$500	-	36 Month CD
1.00%	$500	-	30 Month CD
0.90%	$500	-	24 Month CD
0.65%	$500	-	12 Month CD
0.40%	$500	-	6 Month CD

Northern Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month CESA
1.50%	$500	-	60 Month SEP IRA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.25%	$500	-	48 Month CESA
1.25%	$500	-	48 Month SEP IRA
1.15%	$500	-	18 Month IRA
1.15%	$500	-	18 Month Roth IRA
1.15%	$500	-	18 Month CESA
1.15%	$500	-	18 Month SEP IRA
1.10%	$500	-	36 Month IRA
1.10%	$500	-	36 Month Roth IRA
1.10%	$500	-	36 Month CESA
1.10%	$500	-	36 Month SEP IRA
1.00%	$500	-	30 Month IRA
1.00%	$500	-	30 Month Roth IRA
1.00%	$500	-	30 Month CESA
1.00%	$500	-	30 Month SEP IRA
0.90%	$500	-	24 Month IRA
0.90%	$500	-	24 Month Roth IRA
0.90%	$500	-	24 Month CESA
0.90%	$500	-	24 Month SEP IRA
0.65%	$500	-	12 Month IRA
0.65%	$500	-	12 Month Roth IRA
0.65%	$500	-	12 Month CESA
0.65%	$500	-	12 Month SEP IRA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.40%	$500	-	6 Month CESA
0.40%	$500	-	6 Month SEP IRA

Rates updated: 6/17/2013

Data for Q1 2013

Institution Statistics

Northern Bank & Trust Company
FDIC Certificate #	18266
BankRate Report	View
Year Established	1960
Employees	134
Primary Regulator	FDIC
Assets and Liabilities
Assets	$891.13 million
Loans	$790.96 million
Deposits	$729.60 million
Equity Capital	$82.85 million
Loan Loss Allowance	$12.94 million
Unbacked Noncurrent Loans	$11.83 million
Real Estate Owned	$7.50 million
Historic Data - March 2012
Assets	$751.24 million
Equity Capital	$73.50 million
Loan Loss Allowance	$9.58 million
Unbacked Noncurrent Loans	$9.98 million
Real Estate Owned	$7.95 million
Profit Margin - Quarterly
Net Interest Margin	4.51%
Return on Assets	1.22%
Return on Equity	13.4%
Interest Income	$10.85 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 Northern Bank & Trust Company had $19.33 million in non-current loans and owned real-estate with $95.79 million in equity and loan loss allowances on hand to cover it. This gives Northern Bank & Trust Company a Texas Ratio of 20.18% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Northern Bank & Trust Company held steady from 21.58% as of March 31, 2012 to 20.18% as of March 31, 2013, resulting in a positive change of 6.50%.This indicates that the balance sheet and financial strength for Northern Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Northern Bank & Trust Company has increased its total deposits by $131.94 million, resulting in 22.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Northern Bank & Trust Company has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Northern Bank & Trust Company has $891.13 million in assets with $95.79 million in equity, resulting in a capitalization level of 10.75%, which is above average.