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

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%

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 banking group. Asset figures are from the most recent FDIC call report.