The Northwestern Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Northwestern Bank of Chippewa Falls, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.84% | 1.34% | +0.50% | 80th top |
| ROAE | 17.78% | 13.31% | +4.47% | 79th top |
| Net Interest Margin | 4.07% | 3.93% | +0.14% | 57th above |
| Efficiency Ratio | 46.01% | 61.15% | -15.14% | 88th top |
| PPNR / Avg Assets | 2.30% | 1.68% | +0.62% | 84th top |
| Yield on Earning Assets | 5.45% | 5.67% | -0.22% | 43rd below |
| Cost of Funds | 1.30% | 1.88% | -0.58% | 80th top |
| Net Interest Spread | 3.09% | 3.32% | -0.23% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 82nd top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 82nd top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 90th top |
| ACL / Total Loans | 1.85% | 1.28% | +0.57% | 91st top |
| ACL / NPLs (Coverage) | 6959.12% | 1534.50% | +5424.62% | — |
| Texas Ratio | 0.18% | 7.34% | -7.16% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.22% | 12.14% | -0.92% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.38% | -1.02% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.09% | -0.73% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.06% | 80.62% | +23.44% | 7th bottom |
| Core Deposit Ratio | 97.25% | 86.85% | +10.40% | 93rd top |
| Wholesale Funding Ratio | 10.05% | 5.03% | +5.02% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.68% | 6.85% | -3.17% | 44th below |
| Loan Growth (Y/Y) | 4.14% | 7.91% | -3.77% | 43rd below |
| Deposit Growth (Y/Y) | 7.27% | 6.29% | +0.98% | 72nd above |
See The Northwestern Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Northwestern Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Northwestern Bank profile, how to read a UBPR, or how this data updates.