Northwestern Bank: how it compares with its peers
Against 60 WI banks with half to twice its assets, Northwestern Bank's strongest measure in Q2 2026 is return on assets (2.40% vs. a 1.33% peer median). Its weakest relative measure is assets per employee ($9.3M vs. $7.6M).
| Measure | Northwestern Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.40% | 1.33% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.77% | Top third Ahead of 80% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.73% | 58.87% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $7.6M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.13% | 89.39% | Context |
What it means for lending operations
Its efficiency ratio of 44.73% is better than the 58.87% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Luxemburg Luxemburg, WI · $723M
- Dairy State Bank Rice Lake, WI · $730M
- WOODTRUST BANK Wisconsin Rapids, WI · $735M
- Chippewa Valley Bank Hayward, WI · $736M
- Bank of Prairie du Sac Prairie Du Sac, WI · $745M
- Fortifi Bank Berlin, WI · $750M
Questions about Northwestern Bank
How big is Northwestern Bank?
Northwestern Bank, established in 1904, is headquartered in Chippewa Falls, WI. It reported $726M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Northwestern Bank's return on assets?
2.40% annualized in Q2 2026, against a 1.33% median for 60 WI banks with half to twice its assets, ahead of 90% of them.
What is Northwestern Bank's efficiency ratio?
44.73% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 58.87%, and lower is better.
Is Northwestern Bank growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 7.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.