BlastPoint's Banking Scorecard
Northwestern Bank, National Association
Micro
Specialty: Commercial
MN
FDIC cert 9746
Designations: ✓ Community bank
Dilworth, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Northwestern Bank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.31% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.8M
-0.6% YoY
+7.8% QoQ
|
-$48.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$120.6M
+6.1% YoY
+1.2% QoQ
|
-$18.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$148.1M
-1.4% YoY
+9.1% QoQ
|
-$35.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.08%
+27.0% YoY
-2.0% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
5.17%
+6.0% YoY
+0.2% QoQ
|
+1.31% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
77.65%
-6.2% YoY
-1.1% QoQ
|
+9.92% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.63%
-54.0% YoY
-44.6% QoQ
|
+0.99% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
81.37%
+7.6% YoY
-7.3% QoQ
|
+6.85% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
-1.7% YoY
-15.5% QoQ
|
-1.61% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
2.22%
-6.5% YoY
-1.0% QoQ
|
+1.77% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
+15.1% YoY
+40.3% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.17%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.22%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Net Interest Margin
Current: 5.17% · Tier avg: 3.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.37% · Tier avg: 74.53%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $120.6M · Tier avg: $139.2M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $148.1M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $168.8M · Tier avg: $217.5M
24
24th pctile
Efficiency Ratio
Current: 77.65% · Tier avg: 67.73%
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.22% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.22% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
24
24th pctile
Efficiency Ratio
Current: 77.65% · Tier avg: 67.73%
43
43th pctile
Total Assets
Current: $168.8M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.1M · Tier avg: $183.7M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 22.39%
50
50th pctile
Total Loans
Current: $120.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.37% · Tier avg: 74.53%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
93
93th pctile
Net Interest Margin
Current: 5.17% · Tier avg: 3.85%