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Northern Bank & Trust Charitable Foundation Inc at a glance

· Private foundation

Northern Bank & Trust Charitable Foundation Inc

Its FY2025 filing reports that it accepted unsolicited grant applications.

$971k
Granted FY2025still arriving
64
Grants FY2025still arriving
2
States reached
$250k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2020 to 2025.

Housing & Shelter$1.6MHuman Services$603kHealth$479kYouth Development$455kFood & Nutrition$202kEducation$170kPhilanthropy$135kCommunity Improvement$39kOther$0
02FY2025 · 64 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2025

  • Under $10k30 grants · $120k
  • $10k–50k31 grants · $451k
  • $50k–250k2 grants · $150k
  • $250k+1 grant · $250k
$10,000
Median grant
2
States reached
$626k
Total assets
Largest grants
RecipientAmount
Heading Home Inc$250,000
Nashoba Learning Group$90,000
Boys and Girls Clubs of Woburn$60,000
Dunkin Joy in Childhood Foundation$40,000
Merrimack Valley Housing Partnership Inc$30,000
Boys and Girls Clubs of Grtr Lowell$30,000
National Brain Tumor Society$25,000
Cradles to Crayons$20,000
Junior Achievement of Grtr Boston$20,000
YMCA of Greater Boston$15,000
Birthday Wishes$15,000
Community Teamwork Inc$15,000
Habitat for Humanity North Central Massachusetts$15,000
Foundation To be Named Later$15,000
Lowell Transitional Living Center$13,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY20–25, $458k) land where the poverty rate runs at 9%, against an area that typically sits at 7%. 97% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 7%Cradles to Crayons: $20k → 8%Comfort Zone Camp: $5k → 9%Cradles to Crayons: $10k → 8%Cradles to Crayons: $10k → 8%YMCA of Greater Boston: $15k → 16%Hope and Comfort Inc: $13k → 7%Rise Above Foundation: $10k → 11%YMCA of Greater Boston: $10k → 16%Rise Above Foundation: $10k → 11%Mission of Deeds: $10k → 8%Rise Above Foundation: $10k → 11%Mission of Deeds Inc: $10k → 8%Mission of Deeds Inc: $10k → 8%Mission of Deeds: $10k → 8%Household Goods Inc: $10k → 8%Mission of Deeds: $10k → 8%Household Goods Inc: $5k → 8%Womens Money Matters Inc: $5k → 16%Women's Money Matters Inc: $5k → 16%Central Boston Elder Services: $10k → 16%Minuteman Senior Services: $20k → 8%South Middlesex Opportunity Council: $8k → 8%Minuteman Senior Services: $10k → 8%South Middlesex Opportunity Council: $5k → 8%Minuteman Senior Services: $3k → 8%Dignity Matters Inc: $3k → 8%Community Teamwork: $15k → 8%Community Teamwork Inc: $15k → 8%Community Teamwork Inc: $10k → 8%Senior Center Friends of Stoneham Inc: $5k → 8%Mystic Valley Elder Services: $13k → 8%Mystic Valley Elder Services: $5k → 8%Mystic Valley Elder Services: $5k → 8%Mystic Valley Elder Services: $5k → 8%YMCA of Greater Boston: $15k → 8%YMCA of Greater Boston: $15k → 8%NuPath Inc: $10k → 8%NuPath Inc: $5k → 8%Second Chances Inc: $10k → 8%Second Chances Inc: $5k → 8%Second Chances Inc: $5k → 8%People Helping People: $15k → 8%Gifts of Hope Unlimited Inc: $5k → 8%Minuteman Senior Services: $10k → 8%People Helping People Inc: $10k → 8%Minuteman Senior Services: $10k → 8%HOPEsudbury: $5k → 8%People Helping People: $5k → 8%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

85%of every dollar goes to organizations it has funded before.
$3.2M · 52 repeat orgs$555k to everyone else

Grantees it renews have grown median revenue +28% since the first grant, against +15% for those funded once.

52 repeat relationships: 37 still active in FY2025, 15 since wound down; 27 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

52
34

Total granted

$3.2M
$282k

Median revenue growth · since first grant

+28%
+15%

Still filing today

81%
53%

New vs renewed · share of each year

In FY2025, 72% of grant dollars renewed an existing relationship; $274k went to new ones.

50%100%’20’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’20’21’22’23’24’25
Human ServicesHousing & ShelterFood & NutritionEducationYouth DevelopmentCommunity ImprovementOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • HH
    HEADING HOME INC
    6× · 2020–2025 · $1.4M · revenue +255%
  • NL
    NASHOBA LEARNING GROUP INC
    6× · 2020–2025 · $251k · revenue +50%
  • NB
    NATIONAL BRAIN TUMOR SOCIETY INC
    5× · 2020–2025 · $150k · revenue +48%

Funded once

  • BG
    Boys Girls Clubs of Woburn
    one grant, 2024 · $60k
  • IG
    Individual grant recipient
    one grant, 2020 · $15k
  • FC
    First Congregational Church
    one grant, 2022 · $13k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Greater Boston Council On Alcoholism Inc
Philanthropy
2
Greater New Bedford Workforce Investment Board Inc

Meet the workforce needs of employers and support economic development in greater new bedford.

Community Improvement
3
Massachusetts Affordable Housing Alliance Inc

Maha breaks down barriers facing first-time and first-generation home buyers and owners through education, counseling, advocacy, and grassroots organizing.

Housing & Shelter
4
Massachusetts Education & Career Opportunities Inc

Massachusetts education and career opportunities, inc. (massedco, inc.) is a statewide network of service sites that provides education and career advising to over 12,000 low-income, first generation individuals each year. massedco…

Education
5
Massachusetts Fair Housing Center Inc

Mfhc is committed to ending systemic housing discrimination and creating inclusive communities through education, outreach, advocacy, housing counseling and enforcement.

Housing & Shelter
6
Sojourner House Inc

Sojourner house is a shelter of hope for families;providing a circle of support and empowering them towards independence.

Housing & Shelter
7
The Cambridge Homes
—
8
Massachusetts Housing Investment Corporation

Mhic's mission is to be an innovative private financier of afforable housing and community development throughout new england, providing financing that would not otherwise be available, and extending the impact of that financing to ensure…

Housing & Shelter
9
Meor of Boston Inc
Religion
10
Brookview House Inc

Brookview's mission is to help homeless and at risk families learn the skills necessary to break the cycle of homelessness and poverty.

Human Services
11
United Way of Greater New Bedford Inc

Our mission is to mobilize people, partnerships and resources to catalyze change that strengthens the communities served.

—
12
Goodwill Industries of the Berkshires and Southern Vermont Inc

The Organization's mission is to build pathways that help individuals pursue their goals through employment, career development, and community support programs.

—
How this is measured
The grantee most central to the portfolio’s shape is South Middlesex Opportunity Council Inc; the most unlike its peers is Noahs Way Incorporated. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

81 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 81 of the 115 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

1
Load-bearing (≥25% of a budget)
18
Early backer (in before they grew)
79/81
Grantees still filing
53/81
Grew since first funded

Where the money sits, by cause and then by grantee

HEADING HOME INC: $1,358,962 · Housing & ShelterHEADING HOME INC+8 more: $94,000 · Housing & Shelter+8 moreNATIONAL BRAIN TUMOR SOCIETY INC: $150,000 · OtherNATIONAL BRAIN TUMOR SOCIETY INCBoys & Girls Club Woburn: $105,000 · OtherBoys & Girls Club WoburnRon Burton Training Village Inc: $104,000 · OtherRon Burton Training Village IncDunkin' Joy in Childhood Foundation: $80,000 · OtherDunkin' Joy in Childhood FoundationWoburn Council of Social Concern Inc: $77,500 · OtherWoburn Council of Social Concern IncBoys Girls Clubs of Woburn: $60,000 · OtherBoys and Girls Clubs of Woburn: $60,000 · OtherHABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC: $45,000 · OtherMerrimack Valley Housing Partnership Inc (MVHP): $45,000 · Other+50 more: $525,000 · Other+50 moreYOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER BOSTON INC: $55,000 · Human ServicesYOUNG MEN'S C…MINUTEMAN SENIOR SERVICES INC: $52,500 · Human ServicesMINUTEMAN SEN…Mission of Deeds Inc: $50,000 · Human ServicesMission of De…Community Teamwork Inc: $40,000 · Human ServicesCommunity Tea…CRADLES TO CRAYONS INC: $40,000 · Human ServicesCRADLES TO CR…MYSTIC VALLEY AGING SERVICES INC: $32,500 · Human ServicesMYSTIC VALLEY…PEOPLE HELPING PEOPLE INC: $30,000 · Human ServicesPEOPLE HELPIN…RISE ABOVE FOUNDATION INC: $30,000 · Human ServicesRISE ABOVE FO…Second Chances Inc: $20,000 · Human ServicesNUPATH INC: $17,500 · Human Services+11 more: $90,000 · Human Services+11 moreNASHOBA LEARNING GROUP INC: $251,120 · EducationNASHOBA L…RAR-MA INC: $28,000 · EducationRAR-MA IN…+6 more: $35,000 · Education+6 moreJoy In Childhood Foundation Inc: $80,000 · PhilanthropyBirthday Wishes Inc: $27,500 · PhilanthropyCOREY C GRIFFIN CHARITABLE FOUNDATION: $10,000 · Philanthropy+1 more: $2,500 · PhilanthropySUDBURY COMMUNITY FOOD PANTRY: $43,000 · Food & NutritionTHE FOOD DRIVE INC: $10,000 · Food & NutritionWESTFORD FOOD INC CO WESTFORD FOOD PANTRY: $10,000 · Food & NutritionCOMMUNITY COOKS INC: $10,000 · Food & NutritionMERRIMACK VALLEY FOOD BANK INC: $10,000 · Food & NutritionTABLE OF PLENTY IN CHELMSFORD INC: $10,000 · Food & NutritionCENTRE STREET FOOD PANTRY INC: $5,000 · Food & NutritionDANIEL'S TABLE INC: $5,000 · Food & NutritionBOYS & GIRLS CLUB OF GREATER BILLERICA INC: $55,000 · Youth DevelopmentCITY KIDS INC: $9,000 · Youth DevelopmentBIG BROTHERS BIG SISTERS OF CENTRAL MASS /METROWEST INC: $6,000 · Youth DevelopmentBOYS AND GIRLS CLUBS OF METROWEST INC: $5,000 · Youth DevelopmentGIRLS INCORPORATED OF GREATER LOWELL: $5,000 · Youth Development+1 more: $2,500 · Youth Development
Housing & Shelter$1,452,962Other$1,251,500Human Services$457,500Education$314,120Philanthropy$120,000Food & Nutrition$103,000Youth Development$82,500

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetHEADING HOME INC: $1,358,962 over 6y, 1.0% of budgetNASHOBA LEARNING GROUP INC: $251,120 over 6y, 0.3% of budgetNATIONAL BRAIN TUMOR SOCIETY INC: $150,000 over 5y, 0.4% of budgetRon Burton Training Village Inc: $104,000 over 6y, 0.7% of budgetJoy In Childhood Foundation Inc: $80,000 over 2y, 0.4% of budgetWoburn Council of Social Concern Inc: $77,500 over 4y, 2.1% of budgetBOYS & GIRLS CLUB OF GREATER BILLERICA INC: $55,000 over 5y, 1.0% of budgetYOUNG MEN'S CHRISTIAN ASSOCIATION OF GREATER BOSTON INC: $55,000 over 4y, 0.0% of budgetMINUTEMAN SENIOR SERVICES INC: $52,500 over 5y, 0.1% of budgetMission of Deeds Inc: $50,000 over 5y, 0.7% of budgetHABITAT FOR HUMANITY NORTH CENTRAL MASSACHUSETTS INC: $45,000 over 2y, 1.4% of budgetSUDBURY COMMUNITY FOOD PANTRY: $43,000 over 5y, 5.6% of budgetCommunity Teamwork Inc: $40,000 over 3y, 0.0% of budgetCRADLES TO CRAYONS INC: $40,000 over 3y, 0.0% of budgetMYSTIC VALLEY AGING SERVICES INC: $32,500 over 6y, 0.0% of budgetMerrimack Valley Housing Partnership Inc: $30,000 over 1y, 3.2% of budgetPEOPLE HELPING PEOPLE INC: $30,000 over 3y, 4.0% of budgetRISE ABOVE FOUNDATION INC: $30,000 over 3y, 1.4% of budgetJUNIOR ACHIEVEMENT OF GREATER BOSTON INC: $30,000 over 3y, 0.7% of budgetRAR-MA INC: $28,000 over 3y, 1.0% of budgetBirthday Wishes Inc: $27,500 over 3y, 1.6% of budgetHABITAT FOR HUMANITY OF GREATER LOWELL INC: $22,500 over 3y, 0.7% of budgetWOBURN HOST LIONS CHARITIES INC: $21,500 over 4y, 3.3% of budgetTHE CONCORD EDUCATION FUND INC: $20,000 over 2y, 30% of budgetJUST-A-START CORPORATION: $20,000 over 2y, 0.1% of budgetSecond Chances Inc: $20,000 over 3y, 3.3% of budgetJOSLIN DIABETES CENTER INC: $20,000 over 2y, 0.0% of budgetNUPATH INC: $17,500 over 3y, 0.0% of budgetCHESTERBROOK COMMUNITY FOUNDATION INC: $16,000 over 3y, 10% of budgetHOUSEHOLD GOODS INC: $15,000 over 2y, 0.3% of budgetLOWELL TRANSITIONAL LIVING CENTER INC: $13,000 over 1y, 1.7% of budgetWOMEN'S MONEY MATTERS INC: $12,500 over 3y, 0.4% of budgetSOUTH MIDDLESEX OPPORTUNITY COUNCIL INC: $12,500 over 2y, 0.0% of budgetCENTRAL BOSTON ELDER SERVICES INC: $10,000 over 1y, 0.0% of budgetBOSTON IMPACT INITIATIVE FUND: $10,000 over 2y, 0.1% of budgetWOBURN PUBLIC LIBRARY: $10,000 over 1y, 0.4% of budgetCOREY C GRIFFIN CHARITABLE FOUNDATION: $10,000 over 1y, 0.2% of budgetACTON COMMUNITY SUPPER AND FOOD PANTRY INC: $10,000 over 1y, 3.9% of budgetMETROPOLITAN BOSTON HOUSING PARTNERSHIP INC D/B/A METRO HOUSING BOSTON: $10,000 over 2y, 0.0% of budgetBREAD OF LIFE INC: $10,000 over 1y, 0.5% of budgetTHE FOOD DRIVE INC: $10,000 over 2y, 0.9% of budgetCOMMUNITY COOKS INC: $10,000 over 2y, 0.7% of budgetMERRIMACK VALLEY FOOD BANK INC: $10,000 over 1y, 0.1% of budgetSMILE MASS INC: $10,000 over 2y, 0.5% of budgetTown of Chelmsford Scholarship Fund Inc: $10,000 over 2y, 5.7% of budgetTABLE OF PLENTY IN CHELMSFORD INC: $10,000 over 1y, 11% of budgetCITY KIDS INC: $9,000 over 4y, 1.4% of budgetCommunity Coalition of Melrose Inc: $7,500 over 2y, 2.8% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Cummings Foundation G…Eastern Bank Foundati…Cambridge Savings Cha…Salem Five Charitable…Massachusetts Bankers…Middlesex Savings Cha…Agnes M Lindsay TrustRockland Trust Charit…American Tower Corpor…Greater Lowell Commun…Community Foundation …Boston Foundation Inc
Cummings Foundation Grants Inc (Fka Oneworld Boston Inc)MA77.3× affinity38 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Cummings Foundation Grants Inc (Fka Oneworld Boston Inc) · Eastern Bank Foundation · Cambridge Savings Charitable Foundation Inc · Salem Five Charitable Foundation Inc · Massachusetts Bankers Association Charitable Foundation Inc · Middlesex Savings Charitable Foundation Inc · Agnes M Lindsay Trust · Rockland Trust Charitable Foundation Inc · American Tower Corporation Foundation Inc · Greater Lowell Community Foundation Inc · Community Foundation for MetroWest Inc · Boston Foundation Inc

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Northern Bank & Trust Charitable Foundation Inc funds: left to right is the share of its income from government, bottom to top the share from Northern Bank & Trust Charitable Foundation Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 330%3%10%23%40%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 10%
  • Nupath Inc: 84% of income from government
  • Operation Able of Greater Boston Inc: 81% of income from government
  • Minuteman Senior Services Inc: 73% of income from government
  • Vietnam Veterans Workshop Inc Dba New England Center and Home for Veterans: 66% of income from government
  • Central Boston Elder Services Inc: 47% of income from government
  • Joslin Diabetes Center Inc: 35% of income from government
  • Community Teamwork Inc: 23% of income from government
  • Greater Boston Food Bank Inc: 22% of income from government
  • South Middlesex Opportunity Council Inc: 18% of income from government
  • Heading Home Inc: 17% of income from government
  • Just-a-Start Corporation: 16% of income from government
  • Kids in Tech Inc: 15% of income from government
  • Nashoba Learning Group Inc: 14% of income from government
  • Rise Above Foundation Inc: 14% of income from government
  • Boys and Girls Club of Stoneham Inc: 10% of income from government
  • Lawrence Communityworks Inc: 9% of income from government
  • President and Fellows of Harvard College: 7% of income from government
  • Bread of Life Inc: 6% of income from government
  • Community Coalition of Melrose Inc: 4% of income from government
  • Merrimack Valley Food Bank Inc: 3% of income from government
  • Girls Incorporated of Greater Lowell: 3% of income from government
  • Cradles to Crayons Inc: 2% of income from government
  • Breakthrough Greater Boston Inc: 2% of income from government
  • Boys and Girls Clubs of Metrowest Inc: 2% of income from government
  • Women's Money Matters Inc: 1% of income from government
  • Hope and Comfort Inc: 1% of income from government
  • Lazarus House Inc: 1% of income from government
  • The Food Drive Inc: 1% of income from government
  • Pan-Massachusetts Challenge Inc: 0% of income from government
no gov moneyreceives it· size = income
33get no government money at all
12report government grants on their 990 we could not trace to a source (not plotted)
4rely on government for over half their income
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.
05Through Plinth

Warm introductions · Powered by PlinthPlus

How do I get to Northern Bank & Trust Charitable Foundation Inc?

Find your warmest path to Northern Bank & Trust Charitable Foundation Inc through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 115 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990-PF e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

Play a game based on Northern Bank &’s filings →

More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home