The Northwestern Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.25 percentage points higher than in Q1 2026, at 104.06%. Within Wisconsin, The Northwestern Bank is 23rd of 153 on return on assets, 1.84% as of Q2 2026, above the middle of the field. The Northwestern Bank reported 1.84% on return on assets for Q2 2026, 0.59 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.22% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.85% |
| Reserve coverage of non-performing loans | 6959.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 17.78% |
| Net interest margin | 4.07% |
| Efficiency ratio | 46.01% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.06% |
| Core deposits to total deposits | 97.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.27% |
| Securities to assets | 11.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.88% | 11.88% | 13.14% | 9.97% | 1.85% |
| Q4 2023 | 11.05% | 11.05% | 12.31% | 9.79% | 1.35% |
| Q1 2024 | 11.23% | 11.23% | 12.49% | 9.91% | 1.45% |
| Q2 2024 | 11.08% | 11.08% | 12.34% | 9.53% | 1.55% |
| Q3 2024 | 11.30% | 11.30% | 12.56% | 9.60% | 1.56% |
| Q4 2024 | 11.40% | 11.40% | 12.66% | 9.59% | 1.74% |
| Q1 2025 | 11.69% | 11.69% | 12.95% | 10.06% | 1.94% |
| Q2 2025 | 11.85% | 11.85% | 13.11% | 10.30% | 2.07% |
| Q3 2025 | 13.79% | 13.79% | 15.06% | 10.59% | 2.11% |
| Q4 2025 | 12.65% | 12.65% | 13.91% | 10.68% | 1.97% |
| Q1 2026 | 12.99% | 12.99% | 14.25% | 11.10% | 2.93% |
| Q2 2026 | — | — | — | 11.22% | 1.84% |
The Northwestern Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Northwestern Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Northwestern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2468) · FFIEC NIC profile (RSSD 153054)