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Northwestern Bank

$100M-$1B Specialty: Commercial WI FDIC cert 2468

Chippewa Falls, WI

7 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +7.3% year over year ($575.2M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 2.40%.
  • Efficiency ratio 44.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 102.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Northwestern Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9.7% in tier
  • + Profitability Leader: Top 18.0% in tier
  • + Efficiency Ratio 19.75% below tier average
  • + Non-Interest-Bearing Deposit Share 17.22% above tier average
  • + Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.6% in tier
  • - Credit Risk Growth: Bottom 9.4% in tier
  • - Loan-to-Deposit Ratio 24.18% above tier average
Get updates when Northwestern Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $725.6M
+3.7% YoY +1.9% QoQ
+$339.0M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 11.4% in tier
Total Loans ? $587.4M
+4.2% YoY +4.0% QoQ
+$329.1M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 6.6% in tier
Total Deposits ? $575.2M
+7.3% YoY -0.4% QoQ
+$248.4M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 14.0% in tier
Return on Assets ? 2.40%
+18.3% YoY -19.1% QoQ
+1.07% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Top 5.9% in tier
Net Interest Margin ? 4.14%
+10.1% YoY +1.7% QoQ
+0.15% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 44.73%
-4.8% YoY +3.4% QoQ
-19.75% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 8.6% in tier
Delinquency Rate ? 0.03% -0.89% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 102.13%
-2.8% YoY +4.3% QoQ
+24.18% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 7.8% in tier
Non-Interest-Bearing Deposit Share ? 39.25%
+6.6% YoY -3.5% QoQ
+17.22% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
Top 5.4% in tier
Nonperforming Asset Ratio ? 0.02% -0.65% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
84%
Tier 1 Capital Ratio ? 11.22%
-5.3% YoY -13.7% QoQ
-4.69% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
26%
Non-Interest Income / Assets ? 0.15%
+15.7% YoY +91.4% QoQ
-0.42% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 39.3%
+2.4pp YoY
-1.4pp QoQ
 +17.1pp 22.1% 18.9% 22.2% 94%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 28.8%
-0.8pp YoY
+1.1pp QoQ
 +17.3pp 11.6% 10.5% 12.5% 96%
CRE 51.4%
-0.5pp YoY
-0.6pp QoQ
 +11.8pp 39.5% 46.4% 41.4% 72%
1-4 Family 14.4%
+1.8pp YoY
-0.2pp QoQ
 -18.2pp 32.6% 32.3% 31.3% 18%
Consumer 0.6%
+0.1pp YoY
+0.3pp QoQ
 -3.5pp 4.1% 2.6% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 11.2%
+0.9pp YoY
+0.1pp QoQ
 -1.0pp 12.2% 12.6% 12.6% 54%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 78
+2 (+2.6%) YoY
+1 (+1.3%) QoQ
 +19 58 134 482 76%
Assets per Employee ($) $9.3M
+1.0% YoY
+0.6% QoQ
 +$1.8M $7.5M $8.2M $8.8M 82%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0% -0.9pp 0.9% 0.9% 1.0% 7%
Allowance Coverage 69.59x +45.44x 24.15x 56.89x 20.23x 95%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 23.7%
+0.3pp YoY
-5.9pp QoQ
 +11.5pp 12.2% 11.8% 11.6% 95%
Cost of Funds (YTD) 1.4%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 31%
Net Income ($, YTD) $8.6M
+20.9% YoY
— QoQ
 +$6.0M $2.6M $7.9M $40.4M 98%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#65 of 659 • Top 9.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#120 of 661 • Top 18.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#71 of 1256 • Bottom 5.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.03%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#89 of 936 • Bottom 9.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (8 metrics)

145
Non-Interest-Bearing Deposit Share
funding
Value: 39.25%
Peer Median: 22.03%
#145 of 2643 Top 5.4% in $100M-$1B
157
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.32%
#157 of 2643 Top 5.9% in $100M-$1B
176
Total Loans
size
Value: $587.43M
Peer Median: $258.35M
#176 of 2643 Top 6.6% in $100M-$1B
229
Efficiency Ratio
profitability
Value: 44.73%
Peer Median: 64.48%
#229 of 2643 Top 8.6% in $100M-$1B
303
Total Assets
size
Value: $725.62M
Peer Median: $386.57M
#303 of 2643 Top 11.4% in $100M-$1B
371
Total Deposits
size
Value: $575.17M
Peer Median: $326.73M
#371 of 2643 Top 14.0% in $100M-$1B
436
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#436 of 2643 Top 16.5% in $100M-$1B
452
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#452 of 2633 Top 17.1% in $100M-$1B

Top Weaknesses (1 metrics)

2439
Loan-to-Deposit Ratio
liquidity
Value: 102.13%
Peer Median: 77.95%
#2439 of 2643 Bottom 7.8% in $100M-$1B
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