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
Unfavorable gap of $11.4M · efficiency ratio beats 89% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.36% | 0.85% | 1.17% | 1.51% | Beats 93% | 8 / 113 | | |
| Return on Equity | 22.77% | 7.70% | 10.77% | 13.67% | Beats 96% | 4 / 113 | | |
| Net Interest Margin | 3.89% | 3.19% | 3.59% | 3.89% | Beats 74% | 29 / 113 | | |
| Efficiency Ratio | 44.73% | 54.61% | 62.43% | 71.88% | Beats 89% | 13 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.24% | 0.91% | Beats 75% | 28 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 42% | 67 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 11.22% | 11.22% | 12.95% | 15.76% | Beats 25% | 85 / 113 | | |
| Total Risk-Based Capital Ratio | 11.22% | 11.57% | 13.59% | 16.73% | Beats 23% | 87 / 113 | | |
| Equity / Assets | 10.36% | 9.17% | 10.74% | 13.13% | Beats 42% | 65 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 104.06% | 76.54% | 86.37% | 98.93% | 85th pctl | 17 / 112 | | |
| Loans / Assets | 82.48% | 63.07% | 71.33% | 78.84% | 81st pctl | 22 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |