| Metric | Northwestern Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +7.3% | +4.3% | +2.9 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.1 pts |
| ROA | 2.40% | 1.28% | +1.1 pts |
| ROE | 23.7% | 12.4% | +11.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $725.6M | $575.2M | $587.4M | $75.2M | $8.6M | 2.40% | 4.14% | 0.02% |
| Q1 2026 | $712.0M | $577.2M | $565.1M | $73.8M | $5.2M | 2.96% | 4.06% | 0.00% |
| Q4 2025 | $705.1M | $569.1M | $548.1M | $68.0M | $14.3M | 2.03% | 3.89% | 0.00% |
| Q3 2025 | $706.5M | $574.3M | $537.3M | $66.8M | $10.8M | 2.06% | 3.84% | 0.06% |
| Q2 2025 | $699.9M | $536.2M | $563.7M | $63.5M | $7.1M | 2.02% | 3.76% | 0.00% |
| Q1 2025 | $687.7M | $520.7M | $565.2M | $61.0M | $3.4M | 1.96% | 3.64% | 0.00% |
| Q4 2024 | $710.6M | $538.0M | $554.3M | $57.4M | $11.1M | 1.60% | 3.40% | 0.00% |
| Q3 2024 | $706.6M | $534.5M | $554.2M | $58.5M | $7.9M | 1.53% | 3.33% | 0.00% |
Loan mix (Q2 2026): real estate $397.1M · commercial $169.4M · consumer $3.7M · securities $83.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northwestern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 12.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 61.2% | 9th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Northwestern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Northwestern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Northwestern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Northwestern Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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