---
schema_version: "secwatch.filing_event.v1"
accession: "0000073124-25-000244"
form_type: "8-K"
ticker: "NTRS"
cik: "0000073124"
company_name: "NORTHERN TRUST CORP"
filed_at: "2025-10-22T23:59:59+00:00"
generated_at: "2026-05-17T02:53:37.449534+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Northern Trust Q3 net income $457.6M, diluted EPS $2.29, up 7% QoQ and 3% YoY

## Summary
- Trust, investment and other servicing fees of $1,265.5M, up 6% YoY; total revenue (FTE) $2,030.9M, up 3% YoY.
- Net interest income (FTE) $596.3M, up 5% YoY; net interest margin 1.70%, up 2 bps YoY.
- Provision for credit losses was a benefit of $17M vs. $8M provision in Q3 2024.
- ROE 14.8% near high end of target range; fifth consecutive quarter of positive operating leverage.
- Asset Servicing pre-tax income $294.1M (+14% YoY); Wealth Management pre-tax income $342.4M (+11% YoY).

## SEC filing metadata
- accession: 0000073124-25-000244
- form_type: 8-K
- ticker: NTRS
- cik: 0000073124
- company_name: NORTHERN TRUST CORP
- filed_at: 2025-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/73124/000007312425000244/0000073124-25-000244-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/73124/000007312425000244/ntrs-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000073124-25-000244
- JSON: https://secwatch.observer/filing/0000073124-25-000244.json
- Plain text: https://secwatch.observer/filing/0000073124-25-000244.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.