BlastPoint's Banking Scorecard
Northwestern Bank, National Association
Dilworth, MN
6 branches across MN
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 151 in MN.
- Deposits +1.1% year over year ($143.7M on the books).
- Delinquency rate 1.25%.
- Return on assets 1.85%.
- Efficiency ratio 67.11% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Northwestern Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 13.2% in tier
- + Net Interest Margin 2.22% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.63% above tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.7M
+1.5% YoY
-1.3% QoQ
|
-$221.8M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$124.4M
+6.8% YoY
+4.3% QoQ
|
-$134.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$143.7M
+1.1% YoY
-1.8% QoQ
|
-$183.1M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.85%
+83.6% YoY
+42.9% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
6.20%
+24.3% YoY
+7.7% QoQ
|
+2.22% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 1.1% in tier |
| Efficiency Ratio ? |
67.11%
-16.2% YoY
-9.7% QoQ
|
+2.63% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
1.25%
-61.7% YoY
+384.8% QoQ
|
+0.33% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
86.58%
+5.6% YoY
+6.3% QoQ
|
+8.62% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
22.83%
-6.1% YoY
-3.2% QoQ
|
+0.80% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.94%
-59.7% YoY
-55.7% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.15%
+2.3% YoY
+5.2% QoQ
|
-4.76% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.27%
+33.9% YoY
+99.5% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.8%
-1.5pp YoY -0.8pp QoQ |
+0.7pp | 22.1% | 21.9% | 22.2% | 58% |
| Brokered Deposits |
1.2%
0.0pp QoQ |
-6.6pp | 7.9% | 8.3% | 8.5% | 21% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
+0.1pp YoY +1.2pp QoQ |
+2.1pp | 11.6% | 14.6% | 12.5% | 71% |
| CRE |
41.9%
-0.8pp YoY 0.0pp QoQ |
+2.4pp | 39.5% | 36.5% | 41.4% | 57% |
| 1-4 Family |
25.0%
+2.0pp YoY -2.1pp QoQ |
-7.7pp | 32.6% | 29.4% | 31.3% | 41% |
| Consumer |
3.1%
-0.7pp YoY -0.2pp QoQ |
-1.0pp | 4.1% | 4.5% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.2%
+0.3pp YoY +0.6pp QoQ |
-1.0pp | 12.2% | 11.0% | 12.6% | 53% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
36
-1 (-2.7%) YoY -1 (-2.7%) QoQ |
-23 | 58 | 55 | 482 | 36% |
| Assets per Employee ($) |
$4.6M
+4.3% YoY +1.5% QoQ |
-$2.9M | $7.5M | $8.6M | $8.8M | 9% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.2%
-2.0pp YoY +1.0pp QoQ |
+0.3pp | 0.9% | 1.0% | 1.0% | 77% |
| Allowance Coverage |
1.31x
+169.8% YoY -80.4% QoQ |
-22.84x | 24.15x | 20.41x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.8%
+7.2pp YoY +4.9pp QoQ |
+4.6pp | 12.2% | 13.1% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.7% | 1.7% | 9% |
| Net Income ($, YTD) |
$1.5M
+84.9% YoY — QoQ |
-$1.0M | $2.6M | $4.5M | $40.4M | 42% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.