TellerScore

Northwestern Bank is a state-chartered bank (fed member) headquartered in Chippewa Falls, Wisconsin, in business for about 122 years. At the end of Q2 2026 it reported $725.6M in total assets and $575.2M in deposits, with 7 offices.

Based on its Q2 2026 filing, Northwestern Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 45th. Its strongest component is earnings (100/100; 2.40%), and its lowest is funding & liquidity (44/100; 102% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.22%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings100/100
Return on assets (annualized): 2.40%
Funding & liquidity44/100
Loans ÷ deposits and uninsured-deposit share: 102.1% · 27.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (77 → 80), mostly because the capital cushion component improved by 9 points.

TellerScore
727781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202472
Q1 202576
Q2 202577
Q3 202578
Q4 202579
Q1 202681
Q2 202680
Tier 1 leverage ratio
5.00%8.11%11.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.53%
Q3 20249.60%
Q4 20249.59%
Q1 202510.06%
Q2 202510.30%
Q3 202510.59%
Q4 202510.68%
Q1 202611.10%
Q2 202611.22%
Noncurrent loans
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.08%
Q4 20250.00%
Q1 20260.00%
Q2 20260.03%
Return on assets
1.51%2.23%2.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.53%
Q4 20241.60%
Q1 20251.96%
Q2 20252.02%
Q3 20252.05%
Q4 20252.03%
Q1 20262.96%
Q2 20262.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$725.6M11.22%0.03%2.40%102.1%
Q1 202681$712.0M11.10%0.00%2.96%97.9%
Q4 202579$705.1M10.68%0.00%2.03%96.3%
Q3 202578$706.5M10.59%0.08%2.05%93.6%
Q2 202577$699.9M10.30%0.00%2.02%105.1%
Q1 202576$687.7M10.06%0.00%1.96%108.6%
Q4 202472$710.6M9.59%0.00%1.60%103.0%
Q3 202472$706.6M9.60%0.00%1.53%103.7%
Q2 202472$715.6M9.53%0.00%1.51%101.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.22%
54th
Total risk-based capital0.00%
24th
Problem loans0.03%
82nd
Net charge-offs-0.02%
92nd
Return on assets2.40%
94th
Net interest margin4.14%
61st
Efficiency ratio44.7%
91st
Loans to deposits102.1%
8th
Uninsured deposits27.7%
36th
Loan-loss reserves1.85%
91st
Texas ratio0.2%
83rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of LuxemburgBank Luxemburg, WI68 out of 100, Moderate$723.4M9.6%0.18%vs
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Woodtrust BankBank Wisconsin Rapids, WI68 out of 100, Moderate$734.8M10.9%1.33%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs

Deposit insurance

Is my money safe at Northwestern Bank?

Yes. Northwestern Bank is an FDIC-insured institution (FDIC certificate #2468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.7% of deposits ($159.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Northwestern Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northwestern Bank reported 155 home-loan applications under HMDA (LEI 254900YAD0R5TBY92Y41): 118 originated ($41,500,000 total), 14 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northwestern Bank
Former names
Northwestern State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
2468
RSSD ID
153054
Primary regulator
FED
Holding company
Nw Bancshares Inc
Established
January 1, 1904
Headquarters
202 N Bridge St, Chippewa Falls, WI 54729
Employees
78

Quick answers

Northwestern Bank: common questions

Is Northwestern Bank FDIC insured?

Yes. Northwestern Bank is an FDIC-insured institution (FDIC certificate #2468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northwestern Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northwestern Bank ever failed?

There is no failure record for FDIC certificate #2468 in the FDIC failed bank list.

How many branches does Northwestern Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chippewa Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Dairy State BankBank Rice Lake, WI80 out of 100, Strong$730.3M12.0%0.06%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Prevail BankBank Medford, WI74 out of 100, Strong$1.0B12.6%0.20%vs