BlastPoint's Banking Scorecard
Northwestern Bank
Community
Specialty: Commercial
WI
FDIC cert 2468
Chippewa Falls, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Northwestern Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 16% in Community
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 14.51% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$705.1M
-0.8% YoY
-0.2% QoQ
|
-$686.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$548.1M
-1.1% YoY
+2.0% QoQ
|
-$427.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$569.1M
+5.8% YoY
-0.9% QoQ
|
-$595.5M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
2.03%
+27.3% YoY
-1.1% QoQ
|
+0.87% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.89%
+14.5% YoY
+1.4% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
48.65%
-8.6% YoY
+2.8% QoQ
|
-13.98% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.32%
-6.5% YoY
+3.0% QoQ
|
+13.26% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
35.56%
-10.4% YoY
+1.9% QoQ
|
+14.51% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.65%
+11.0% YoY
-8.3% QoQ
|
+2.41% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.26%
+8.1% YoY
+35.8% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#61 of 371 · Top 16% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.03%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.56%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Liquidity Strain
risk
#55 of 513 · Bottom 11% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.32%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.56% · Tier avg: 21.05%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.16%
86
86th pctile
Efficiency Ratio
Current: 48.65% · Tier avg: 62.63%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.65% · Tier avg: 10.24%
36
36th pctile
Total Loans
Current: $548.1M · Tier avg: $975.5M
27
27th pctile
Total Assets
Current: $705.1M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $569.1M · Tier avg: $1.2B
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.32% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.32% · Tier avg: 83.06%
24
24th pctile
Total Deposits
Current: $569.1M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $705.1M · Tier avg: $1.4B
36
36th pctile
Total Loans
Current: $548.1M · Tier avg: $975.5M
54
54th pctile
Tier 1 Capital Ratio
Current: 12.65% · Tier avg: 10.24%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.65% · Tier avg: 62.63%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.56% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%