Side-by-side · Q2 2026 data
Northwestern Bank vs Independence State Bank
Metric by metric
| Measure | Northwestern Bank | Independence State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 62 (stronger) | 54 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 44 | 71 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 54th |
| Total assets | $725.6M | $84.2M |
| Deposits / shares | $575.2M | $72.2M |
| Capital ratio | 11.22% (stronger) | 10.38% |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 2.40% (stronger) | 1.20% |
| Loans ÷ deposits | 102.1% | 89.7% (stronger) |
| Uninsured deposits | 27.7% | 14.9% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Northwestern Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Northwestern Bank leads on 4 and Independence State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.