Northern Bank & Trust Company is a bank based in Woburn, Massachusetts, established in 1960, with $3.3 billion in total assets across 14 branches. By Trust Grade it ranks 1st of 91 banks we track in Massachusetts. Its capital ratio of 14.3% is stronger than 91% of similarly sized banks, versus a Massachusetts median of 10.2%. It was profitable over the most recent period, with a 1.78% return on assets. No consumer complaints against Northern Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Northern Bank & Trust Company compares to Massachusetts peers
How we graded Northern Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.3% capital ratio)
- Strongly profitable (ROA 1.78%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Northern Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (14)
- 275 Mishawum Rd, Woburn, MA 01801
- 482 Boston Rd, Billerica, MA 01821
- 45 Main St, Westford, MA 01886
- 514 Franklin St, Melrose, MA 02176
- 303 Main St, Woburn, MA 01801
- 13 Center St, Burlington, MA 01803
- 289 Great Rd, Littleton, MA 01460
- 414 Massachusetts Ave, Acton, MA 01720
- 14 Littleton Rd, Chelmsford, MA 01824
- 600 Main St, Reading, MA 01867
- 275 Mishawum Rd, Woburn, MA 01801
- 430 Boston Post Rd, Sudbury, MA 01776
- 275 Mishawum Rd, Woburn, MA 01801
- 240 Main St, Stoneham, MA 02180
Are deposits at Northern Bank & Trust Company insured?
Yes. Northern Bank & Trust Company is an FDIC-insured bank (FDIC certificate #18266). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Northern Bank & Trust Company: frequently asked questions
Is Northern Bank & Trust Company a good bank?
Northern Bank & Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.3% capital ratio); Strongly profitable (ROA 1.78%).
Is Northern Bank & Trust Company FDIC-insured?
Yes. Northern Bank & Trust Company is a FDIC-insured bank (FDIC certificate #18266). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Northern Bank & Trust Company?
Northern Bank & Trust Company holds $3.3 billion in total assets, ranking 1st of 91 banks we track in Massachusetts. It operates 14 branches.
Does Northern Bank & Trust Company have CFPB complaints?
No CFPB complaints against Northern Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
