BlastPoint's Banking Scorecard
Northwestern Bank, National Association
Dilworth, MN
6 branches across MN
Northwestern Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.83% above tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26.4% in tier
- - Nonperforming Asset Ratio 1.49% above tier average
- - Efficiency Ratio 9.02% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.9M
+1.2% YoY
-1.2% QoQ
|
-$219.2M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$119.2M
+6.7% YoY
-1.1% QoQ
|
-$136.5M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$146.3M
+0.9% YoY
-1.2% QoQ
|
-$181.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.29%
+44.1% YoY
+20.0% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
5.76%
+18.2% YoY
+11.5% QoQ
|
+1.83% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 2.1% in tier |
| Efficiency Ratio ? |
74.30%
-9.1% YoY
-4.3% QoQ
|
+9.02% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.26%
-92.5% YoY
-84.2% QoQ
|
-0.63% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
81.47%
+5.7% YoY
+0.1% QoQ
|
+4.83% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
23.58%
+10.7% YoY
+13.5% QoQ
|
+1.56% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
2.13%
-8.2% YoY
-4.0% QoQ
|
+1.49% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.9% in tier |
| Tier 1 Capital Ratio ? |
10.60%
-0.3% YoY
-1.0% QoQ
|
-5.23% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.14%
+43.2% YoY
-69.6% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
69% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.