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ABA: The American Bankers Association
Industry Insight

Digital Cash Consolidation for Improved Liquidity and Collateral Control

  • Brought to you by Northern Digital Solutions
  • Published April 21, 2026

How Northern Bank & Trust increased deposits by 10% month-over-month and lowered the bank’s lending risk.

As Northern Bank & Trust's (NBTC) commercial lending portfolio expanded, the bank identified an opportunity to enhance operational efficiency and strengthen its processes for monitoring loan covenant compliance and managing customer liquidity.
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Northern Bank & Trust Company (NBTC) implemented Cash Consolidator, a digital cash consolidation and liquidity management solution built by Northern Digital Solutions.

The implementation helped the bank strengthen cash management oversight, improve visibility into customer liquidity across institutions, and support more efficient monitoring of loan covenant requirements.

The result was a 10% month-over-month increase in deposits and more than $282M transferred into NBTC accounts during the first year of adoption.

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