Unverified listing What this means

The Lender Report built this page from public records. The Northern Trust Company has not reviewed it. Every lender's page starts this way, and it says nothing about The Northern Trust Company itself. Each figure shows its source and date. Work at The Northern Trust Company? You can claim this page for free.

Bank, Chicago, IL

The Northern Trust Company

A bank based in Chicago, IL. Its commercial book is led by C&I and non-owner-occupied CRE. Public files show recent multifamily and 1-4 unit investor loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$10.4B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
9
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
Not reported
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$179B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
www.northerntrust.comFrom the FDIC record, November 9, 2026.
Names it files under
The Northern Trust CoFDIC institution record,
Address
50 S La Salle St, Chicago, IL 60603FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 0 opened, 0 closed, 3 relocated.FDIC structure history. FDIC history
Fiscal 2026 The holding company reported a balance of $6.3B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 0.5% to $3.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
2024 Reported making 316 small business loans totaling $108.8M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 1 mortgage recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

The Northern Trust CompanyNewest first
PeriodPlaceLoanAmountRateTermLTVSource
2025Lake County, ILOther purpose, 150 or more units$60MHMDA 2025
2025Palm Beach County, FLImprovement, 150 or more units$33MHMDA 2025
2025Cook County, ILPurchase, 50 to 99 units$17MHMDA 2025
2025Oklahoma County, OKRefinance, 100 to 149 units$9.9MHMDA 2025
2025Cook County, ILPurchase, 25 to 49 units$9.6MHMDA 2025
2025Cook County, ILPurchase, 25 to 49 units$5.9MHMDA 2025
2025Cook County, ILPurchase, 25 to 49 units$5.7MHMDA 2025
2025Cook County, ILRefinance, 50 to 99 units$4.7MHMDA 2025
2025San Diego County, CAPurchase, 5 to 24 units$2.3MHMDA 2025
2024San Diego County, CARefinance, 150 or more units$27M7.57%3 yr56%HMDA 2024
2024San Diego County, CAPurchase, 50 to 99 units$16M7.59%3 yr63%HMDA 2024
2024Cook County, ILPurchase, 5 to 24 units$2.9M5.31%5 yr68%HMDA 2024
2024Broward County, FLPurchase, 5 to 24 units$2.8M6.3%5 yr61%HMDA 2024
2024Cook County, ILPurchase, 5 to 24 units$2.2M5.31%5 yr67%HMDA 2024
9 multifamily loans made in 2025$148MHMDA 2025

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 1 mortgage recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 names The Northern Trust Company as the lender, totaling $940K.
Recorded mortgages by property class
Property classMortgagesDollars
Mixed use1$940K
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Queens1
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$1.49B3.4%-1.4%
Construction and land development$713M1.6%+3.5%
Owner-occupied CRE$1.01B2.3%-6.5%
Non-owner-occupied CRE$3.18B7.3%+0.5%
Farmland$224K0.0%Not reported
Commercial and industrial$3.98B9.1%-2.0%
Commercial total$10.4B
FDIC call report,

Reference only: $5.97B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$11.4B
Q4 2023$11.2B
Q1 2024$11.3B
Q2 2024$11.3B
Q3 2024$11.4B
Q4 2024$10.8B
Q1 2025$10.7B
Q2 2025$10.5B
Q3 2025$10.4B
Q4 2025$10.3B
Q1 2026$10.1B
Q2 2026$10.4B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units20259$148M$9.63M$60MHMDA,
Multifamily, 5 or more units20245$50.7M$2.85MHMDA,
1-4 unit investor or business purpose202557$149M$1.21MHMDA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).

Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • The Northern Trust Company reported making 316 small business loans totaling $108,825,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 54 of $100,000 or less, 99 over $100,000 up to $250,000, 163 over $250,000 up to $1 million.
  • 28 of them, totaling $13,247,000, went to businesses with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 56 loans, $27,552,000.
CountyLoansTotal
Cook County, IL210$67.8M
Hillsborough County, FL20$4.52M
New York County, NY18$4.90M
Baltimore city, MD7$1.97M
Palm Beach County, FL5$2.05M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • The Northern Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $67,554,000 for 1-4 family residential construction and $387,758,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $12,400,594,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less117$5.71M
Over $100,000 up to $250,000195$26.7M
Over $250,000 up to $1 million240$89.9M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less1$7.00K
Over $100,000 up to $250,0001$109K
Over $250,000 up to $1 million72$40.3M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
Over $250,000 up to $500,0001$224K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Florida2711000
Illinois HQ56400
California81500
Colorado10500
Texas70500
Georgia10300
Arizona30200
New York10200
Wisconsin10200
Massachusetts10100
Michigan20100
Nevada10100
FDIC office list, HMDA, SBA FOIA,

Also in CT, DC, MN, MO, OH, PA, WA.

Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
Cook County, IL7$48.2M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
Chicago-Naperville-Schaumburg, IL7$48.2M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • The Northern Trust Company has 58 offices in 44 counties and 19 states (FDIC Summary of Deposits, June 30, 2026): 58 full service and 0 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Palm Beach County, FL40
Miami-Dade County, FL30
Harris County, TX30
Maricopa County, AZ20
Los Angeles County, CA20
Collier County, FL20
Lee County, FL20
Cook County, IL20
Lake County, IL20
Dallas County, TX20
Pima County, AZ10
Marin County, CA10
Orange County, CA10
San Diego County, CA10
San Francisco County, CA10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$1.69B$1.39B to $4.45B across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital47.9%67.0% to 233.4% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital6.3%14.6% to 50.3% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits29.6%70.5% to 86.8% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$466M$1.99B to $7.70B across 8 peersCommitments to lend on commercial real estate that are not yet drawn.FDIC call report,
Loans to assets24.5%55.5% to 69.8% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
BMO Bank National AssociationIL$255B$74.0B
CIBC Bank USAIL$66.5B$30.6B
Pinnacle BankTN$129B$61.4B
Manufacturers and Traders Trust CompanyNY$219B$69.1B
Citizens Bank, National AssociationRI$233B$55.0B
Regions BankAL$160B$43.8B
KeyBank National AssociationOH$189B$54.6B
City National BankCA$99.1B$27.5B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. The Northern Trust Company, FDIC certificate 913. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $179B in total assets and $10.4B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 71 recorded loans from the HMDA file, in 2024 and 2025: 9 HMDA multifamily 2025, 5 HMDA multifamily 2024, 57 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to The Northern Trust Company]
  4. Phone and website. No phone number is on record. Website northerntrust.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 316 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 1 recorded mortgage in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
913
RSSD
210434
LEI
6PTKHDJ8HDUF78PFWH30
The Lender Report ID
lr_000026
FDIC classifies this bank as
International Specialization
Ownership
Stock
Head office metro area
Chicago-Naperville-Elgin, IL-IN-WI

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $178.6B in total assets as of June 30, 2026 (FDIC call report).
  • Held $10.4B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $4B of commercial and industrial loans as of June 30, 2026 (FDIC call report).
  • Held $3.2B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.5% from a year earlier (FDIC call report).
  • Held $1.5B of multifamily loans as of June 30, 2026 (FDIC call report).
  • Originated 9 multifamily loans totaling $148.4M in 2025 (HMDA).
9 more sentences
  • Originated 5 multifamily loans totaling $50.7M in 2024 (HMDA).
  • Originated 57 1-4 unit investor or business-purpose loans totaling $149.4M in 2025 (HMDA).
  • Listed 67 offices in 19 states (FDIC).
  • Reported making 316 small business loans totaling $108.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Northern Trust Corp reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $6.3B of loans originated in fiscal 2026 (SEC filing).
  • Held 552 commercial and industrial loans that were $1 million or less when made, with a balance of $122.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 74 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $40.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $67.6M for 1-4 family and $387.8M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 1 mortgage recorded in New York City from 2023-10 to 2026-09, totaling $940K (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, The Northern Trust Company, https://lender.report/lender/northern-trust-il/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.

We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.

Work at The Northern Trust Company? Claim this page, free.

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem