Dilworth, MN · Cert 9746 · Northwestern Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
22
Profitability
83
Liquidity
68
Efficiency
52
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.
Dilworth, MN · Cert 9746 · Northwestern Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Fargo, ND-MN · 2026 SOD (annual) · 1.0% share · #17 of 32 inst. · $0.1B of $12.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.67% | 0.71% | 0.79% | 0.86% | 0.85% | 1.02% | 1.45% | +66 bps | |
| Return on Equity | 6.37% | 6.60% | 6.88% | 7.54% | 8.03% | 7.90% | 9.38% | 13.17% | +563 bps | |
| Net Interest Margin | 4.72% | 4.59% | 4.76% | 4.88% | 4.96% | 4.89% | 5.36% | 5.91% | +103 bps | |
| Efficiency Ratio | 83.57% | 82.82% | 81.76% | 80.07% | 78.48% | 77.65% | 74.30% | 67.11% | -1,296 bps | |
| Non-Interest Burden | 3.84% | 3.70% | 3.78% | 3.79% | 3.77% | 3.66% | 3.81% | 3.75% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.56% | 2.01% | -0.02% | 2.63% | -1.47% | -0.56% | 1.21% | 1.45% | -117 bps | |
| Loan Growth (YoY) | -6.70% | -3.12% | -0.25% | 0.96% | 6.51% | 6.14% | 6.76% | 6.87% | +590 bps | |
| Deposit Growth (YoY) | -5.25% | 1.60% | -0.85% | 2.03% | -2.38% | -1.35% | 0.94% | 1.10% | -93 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.28% | 3.49% | 3.37% | 3.21% | 2.90% | 1.60% | 0.25% | 1.23% | -198 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.06% | 0.03% | 0.01% | 0.04% | 0.05% | 0.19% | +16 bps | |
| Allowance / Loans | 1.63% | 1.61% | 1.62% | 1.56% | 1.55% | 1.61% | 1.69% | 1.61% | +5 bps | |
| Allowance Coverage of NPLs | 5.8x | 0.5x | 0.5x | 0.5x | 0.5x | 1.0x | 6.7x | 1.3x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 10.42% | 10.63% | 10.90% | 10.96% | 10.71% | 10.60% | 11.15% | +25 bps | |
| Total Risk-Based Capital | 10.53% | 10.42% | 10.63% | 10.90% | 10.96% | 10.71% | 10.60% | 11.15% | +25 bps | |
| Equity / Assets | 10.73% | 10.00% | 10.52% | 10.96% | 11.56% | 10.75% | 10.90% | 11.37% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.69% | 76.87% | 78.36% | 83.25% | 89.13% | 82.71% | 82.87% | 87.99% | +475 bps | |
| Liquid Assets / Assets | 10.74% | 14.76% | 12.97% | 8.46% | 4.39% | 7.51% | 6.53% | 4.65% | -382 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 306% | 285% | n/a | n/a | |
Dilworth, MN · Cert 9746 · Peer group: banks under $1B in assets (n=581-629) · Northwestern Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Return on Assets
1.47%
Rank 150 of 629
Net Interest Margin
5.91%
Rank 7 of 629
Efficiency Ratio
67.11%
Rank 304 of 629
Equity / Assets
11.37%
Rank 265 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.47% | 0.60% | 1.01% | 1.45% | Beats 76% | 150 / 629 | ||
| Return on Equity | 12.91% | 5.38% | 9.30% | 13.28% | Beats 73% | 172 / 629 | ||
| Net Interest Margin | 5.91% | 3.03% | 3.54% | 4.05% | Beats 99% | 7 / 629 | ||
| Efficiency Ratio | 67.11% | 58.35% | 67.79% | 79.08% | Beats 52% | 304 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.09% | 0.46% | 1.20% | Beats 25% | 438 / 581 | ||
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 473 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 11.24% | 13.84% | 18.77% | Beats 24% | 476 / 629 | ||
| Total Risk-Based Capital Ratio | 11.15% | 11.58% | 14.43% | 19.66% | Beats 20% | 501 / 629 | ||
| Equity / Assets | 11.37% | 9.09% | 10.65% | 13.80% | Beats 58% | 265 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.99% | 67.24% | 80.90% | 93.48% | 64th pctl | 211 / 594 | ||
| Loans / Assets | 76.74% | 53.31% | 67.71% | 78.15% | 71st pctl | 180 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||