SBA lender profile
Northern Bank and Trust Company
Northern Bank and Trust Company appears in the public SBA loan data with 104 funded 7(a) loans since FY2010, totaling $53.2M, an average of $511K per loan, and an estimated 1,998 jobs supported. Its SBA lending concentrates in Massachusetts and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.9%. 61.5% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 67
- Scale 54
- Activity 65
- Consistency 60
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Northern Bank and Trust Company the right lender for you?
Lenders fund what they know. Northern Bank and Trust Company's SBA lending concentrates in Massachusetts (97 loans) and Accommodation and Food Services (27 loans), at an average loan of $511K. If your business does not look like that, a different SBA lender is likely the better fit.
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Where Northern Bank and Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Massachusetts | 97 | $51.4M |
| Florida | 1 | $685K |
| New Hampshire | 1 | $315K |
| Vermont | 1 | $205K |
| North Carolina | 1 | $180K |
| Georgia | 1 | $147K |
What Northern Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 27 | $13.2M |
| Other Services | 16 | $8.9M |
| Professional and Technical Services | 10 | $6.8M |
| Retail Trade | 9 | $6.3M |
| Health Care and Social Assistance | 2 | $3.4M |
| Transportation and Warehousing | 2 | $2.6M |
Northern Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2017 | 2 | $700K |
| 2018 | 11 | $7.8M |
| 2019 | 23 | $11.7M |
| 2020 | 10 | $3.3M |
| 2021 | 12 | $3.4M |
| 2022 | 25 | $10.0M |
| 2023 | 4 | $2.1M |
| 2024 | 9 | $4.7M |
| 2025 | 5 | $7.9M |
| 2026 | 3 | $1.6M |
Related SBA lenders
Other lenders active in Massachusetts or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Northern Bank and Trust Company: frequently asked questions
Does Northern Bank and Trust Company offer SBA loans?
Yes. Northern Bank and Trust Company appears in the public SBA data with 104 funded SBA 7(a) loans totaling $53.2M.
How many SBA loans has Northern Bank and Trust Company made?
Northern Bank and Trust Company is associated with 104 SBA 7(a) loans totaling $53.2M in the public SBA data (as of 2026-03-31).
What is Northern Bank and Trust Company's SBA charge-off rate?
About 3.9% of Northern Bank and Trust Company's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Northern Bank and Trust Company do most of its SBA lending?
Northern Bank and Trust Company's SBA lending in the data is most concentrated in Massachusetts, and by industry in Accommodation and Food Services.
Is Northern Bank and Trust Company an SBA Preferred Lender (PLP)?
The loan record shows Northern Bank and Trust Company operating under PLP delegated authority: 64 of its 7(a) loans (61.5%) were processed through the Preferred Lenders Program, including 15 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Northern Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/northern-bank-and-trust-company/
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