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 | |