PackageTrendsPeer
Letter portraitLegal landscape

Northwestern Bank, The

Chippewa Falls, WI · Cert 2468 · NW Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

30

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northwestern Bank, The

Chippewa Falls, WI · Cert 2468 · NW Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$725.6MAssets
$598.5MLoans
$575.2MDeposits
$75.2MEquity
Loan mix
71%RE $383.9M29%C&I $156.8M0%Consumer $1.8MQ2 2025Q2 2026
Deposit mix
61%Interest-bearing $349.4M39%Noninterest $225.8MQ2 2025Q2 2026

NIM

4.53%Q2 ’245.10%Q2 ’255.22%Q2 ’26+16%+10%

Non-interest income vs. expense

1.75%Q2 ’241.77%Q2 ’251.87%Q2 ’26+0%+3%

Market Position · Eau Claire, WI · 2026 SOD (annual) · 13.8% share · #1 of 22 inst. · $0.5B of $3.7B

31.6% Chippewa
4.1% Eau Claire
9.9% Clark

Executive Summary

  • Earnings: ROA of 2.40%, up 80 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.22%, up 91 bps from a year ago.
  • Funding: loans stand at 104.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.40%+80 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+36 bps YoY

Efficiency Ratio (YTD, annualized)

44.73%-224 bps YoY

Tier 1 Leverage Ratio

11.22%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.62%1.60%2.96%2.40%+80 bps
Return on Equity18.36%18.21%17.76%29.58%23.66%+530 bps
Net Interest Margin3.52%3.60%3.68%3.82%3.89%+36 bps
Efficiency Ratio46.96%47.31%48.65%43.24%44.73%-224 bps
Non-Interest Burden1.52%1.57%1.65%1.48%1.57%+5 bps
Growth
Asset Growth (YoY)-2.19%-0.01%-0.77%3.52%3.68%+587 bps
Loan Growth (YoY)2.40%-2.99%-1.09%-0.02%4.14%+174 bps
Deposit Growth (YoY)-1.40%7.44%5.77%10.86%7.27%+867 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.00%0.00%0.03%+3 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.03%-0.02%-0.02%-1 bps
Allowance / Loans1.92%2.01%1.97%1.92%1.85%-7 bps
Allowance Coverage of NPLsn/a26.1xn/an/a69.6xn/a
Capital
Tier 1 Leverage Ratio10.30%10.59%10.68%11.10%11.22%+91 bps
Total Risk-Based Capital13.11%15.06%13.91%14.25%11.22%-189 bps
Equity / Assets9.07%9.46%9.65%10.37%10.36%+129 bps
Liquidity & Funding
Loans / Deposits107.18%95.47%98.26%99.81%104.06%-313 bps
Liquid Assets / Assets1.56%7.13%6.04%3.36%2.10%+53 bps
CRE / Total Capitaln/a395%394%369%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northwestern Bank, The

Chippewa Falls, WI · Cert 2468 · Peer group: banks under $1B in assets in WI (n=110-113) · NW Bancshares Inc.

State charter, Fed member · FED · 7 branches

Q2 2026

$725.6MAssets
$598.5MLoans
$575.2MDeposits
$75.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 96% of banks under $1B in assets in WI (rank 4 of 113).
  • Widest gap: total risk-based capital ratio trails 77% of banks under $1B in assets in WI (rank 87 of 113).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.36%

Rank 8 of 113

Net Interest Margin

3.89%

Rank 29 of 113

Efficiency Ratio

44.73%

Rank 13 of 113

Equity / Assets

10.36%

Rank 65 of 113

Non-interest income vs. expense

$2.1M$13.5MINCOMEEXPENSE
Unfavorable gap of $11.4M · efficiency ratio beats 89% of banks under $1B in assets in WI
Bank 44.73%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.36%0.85%1.17%1.51%Beats 93%8 / 113
Return on Equity22.77%7.70%10.77%13.67%Beats 96%4 / 113
Net Interest Margin3.89%3.19%3.59%3.89%Beats 74%29 / 113
Efficiency Ratio44.73%54.61%62.43%71.88%Beats 89%13 / 113
Asset Quality
Nonperforming Loans / Loans0.03%0.03%0.24%0.91%Beats 75%28 / 110
Net Charge-Offs / Loans0.00%n/a0.00%0.01%Beats 42%67 / 110
Capital
Tier 1 Capital Ratio11.22%11.22%12.95%15.76%Beats 25%85 / 113
Total Risk-Based Capital Ratio11.22%11.57%13.59%16.73%Beats 23%87 / 113
Equity / Assets10.36%9.17%10.74%13.13%Beats 42%65 / 113
Liquidity & Funding
Loans / Deposits104.06%76.54%86.37%98.93%85th pctl17 / 112
Loans / Assets82.48%63.07%71.33%78.84%81st pctl22 / 113
Brokered Deposits / Depositsn/aNot reported for this institution