Northwestern Bank, National Association
Dilworth, MN · Cert 9746 · Peer group: banks under $1B in assets (n=581-629) · Northwestern Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
$164.7MAssets
$126.4MLoans
$143.7MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets (rank 7 of 629).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 473 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 52% of banks under $1B in assets | 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 |