The Northern Trust Company

Headquarters

50 S La Salle St
Chicago, IL 60603
See all branch locations →

ACH 071000152

Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
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Loan Rates
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2025 Overview

General Bank Information

The Northern Trust Company is an FDIC insured institution located in Chicago, IL. It was founded in 1889 and has approximately $154.95 billion in assets. Customers can open an account at one of its 75 branches.


FDIC Insured	Yes
FDIC Certificate	# 913
Date Established	1889
Assets	$ 154.95 billion
Loans	$ 43.22 billion
Deposits	$ 124.95 billion
Capital	$ 10.80 billion

For a more detailed analysis of The Northern Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 30, 2025

Your Current Location: Ohio, OH 43085

Loan Rates - April 30, 2025

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for The Northern Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1025894	6.572%	6.490% 0.63 points $2,748 fees	$2,021	Learn More
NMLS ID: 401822	6.632%	6.500% 0.75 points $4,395 fees	$2,023	Learn More
NMLS ID: 6606	6.715%	6.625% 0.88 points $2,986 fees	$2,049	Learn More
NMLS ID: 3030	7.576%	7.500% 0.75 points $2,400 fees	$2,238	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

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Branches

The Northern Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

The Northern Trust Company Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Cleveland Branch	126.87	A	View Lobby Hours
Grosse Pointe Farms Branch	168.29	B	View Lobby Hours
Bloomfield Hills Branch	181.69	C	View Lobby Hours
Grand Rapids Branch	251.37	D	View Lobby Hours
Chicago - Northwestern Memorial Bran	279.07	E	View Lobby Hours
The Northern Trust Company	279.14	F	View Lobby Hours
Chicago - Oak Street Branch	279.43	G	View Lobby Hours
Winnetka Branch	290.45	H	View Lobby Hours
Oakbrook Terrace Branch	295.15	I	View Lobby Hours
Highland Park Branch	297.30	J	View Lobby Hours
Naperville Branch	300.27	K	View Lobby Hours
Wheaton Branch	300.92	L	View Lobby Hours
Lake Forest Branch	301.48	M	View Lobby Hours
Barrington Branch	312.67	N	View Lobby Hours
Washington D.C. Branch	324.31	O	View Lobby Hours
Milwaukee Branch	335.89	P	View Lobby Hours
St. Louis Branch	398.99	Q	View Lobby Hours
Atlanta Branch	429.39	R	View Lobby Hours
New York Branch	481.39	S	View Lobby Hours
Greenwich Branch	502.29	T	View Lobby Hours
Minneapolis Branch	645.40	U	View Lobby Hours
Boston Branch	654.48	V	View Lobby Hours
Tampa Branch	830.57	W	View Lobby Hours
Saint Petersburg Branch	842.70	X	View Lobby Hours
Vero Beach Branch	861.90	Y	View Lobby Hours
Lakewood Ranch Branch	869.34	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

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Financial Details

The Northern Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Northern Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

The Northern Trust Company	U.S. Bank Average
1.26%	4.63%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, The Northern Trust Company had $137,832,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,800,427,000 in equity and $168,048,000 in loans loss reserves. That gives it a Texas Ratio of 1.26%.

Return on Equity

The Northern Trust Company	U.S. Bank Average
17.46%	10.10%

The Northern Trust Company has a Return on Equity of 17.46% versus the BestCashCow average of 10.10%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

The Northern Trust Company	U.S. Bank Average
6.97%	11.02%

The Northern Trust Company has a Capitalization of 6.97% versus the BestCashCow average of 11.02. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Northern Trust Company Balance Sheet Analysis

As of December 31, 2024, The Northern Trust Company had assets of $154,947,706,000, loans of $43,222,566,000, and deposits of $124,949,239,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 45.73 billion
Interest-bearing balances	$ 44.67 billion
Total securities	$ 50.98 billion
Federal funds sold and reverse repurchase	$ 451.00 million
Net loans and leases	$ 43.22 billion
Loan loss allowance	$ 168.05 million
Trading account assets	$ 3.04 billion
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 696.01 million
All other assets	$ 9.89 billion
Total Assets	$ 144.15 billion

LIABILITIES
Total deposits	$ 124.95 billion
Interest-bearing deposits	$ 100.11 billion
Deposits held in domestic offices	$ 48.65 billion
% insured (estimated)	9.88%
Federal funds purchased and repurchase agreements	$ 2.20 billion
Trading liabilities	$ 761.31 million
Other borrowed funds	$ 5.90 billion
Subordinated debt	$ 2.03 billion
All other liabilities	$ 2.79 billion
Total Liabilities	$ 144.15 billion
Shareholders’ Equity	$ 10.80 billion

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 9.78 billion
Total Interest Expense	$ 7.60 billion
Net interest income	$ 2.18 billion
Provision for loan and lease losses	N.A.
Total non interest income	$ 5.22 billion
Total non interest expense	$ 5.50 billion
Pre-tax Net Operating Income	$ 1,058.71 million

Bank Loan Profile^?

The top three loan types in The Northern Trust Company’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, The Northern Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	14.64		✓
Multifamily Mortgages	2.90		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.00		✓
Small Business Loans	0.11	✓
Construction and Development Loans	1.19		✓
Commercial Real Estate	8.54		✓
Commercial and Industrial Loans	10.87		✓
Farm Loans	0.00	✓

Customer Reviews for The Northern Trust Company

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