# NORTHWESTERN BANK
ORANGE CITY, IA · FDIC certificate 13411 · asset band <$300M · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $267.7M | |
| Deposits | $204.6M | |
| Loans and leases | $196.5M | |
| Total equity | $34.0M | |
| Loans / deposits | 94.03% (p86 of band) | 69.44% |
| Liquid assets / assets | 23.93% (p27 of band) | |
| Uninsured deposits / deposits | 25.15% (p70 of band) | 19.29% |
| Brokered deposits | 0.41% | |
| Wholesale funding | 10.87% (p82 of band) | |
| FHLB advances / assets | 10.46% | |
| Tier 1 leverage | 13.37% (p69 of band) | 11.39% |
| Unrealized securities loss / equity | -7.55% (p74 of band) | -25.32% |
| AOCI / equity | -0.95% (p53 of band) | |
| ROA (annualized) | 2.03% (p89 of band) | 0.97% |
| Net interest margin | 3.80% (p61 of band) | 3.55% |
| Efficiency ratio | 38.78% (p3 of band) | |
| Noncurrent loans | 0.07% (p36 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 3210.16% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 12.97% (p39 of band) | |
| Auto loans | $1.6M (0.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.3% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2011-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2012-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | loans exceed deposits |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | loans exceed deposits |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 0 |  | loans exceed deposits |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2015-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 0 |  | loans exceed deposits |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 | deposits shrinking | loans exceed deposits |
| 2017-12 | 0 |  | deposits shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | loans exceed deposits, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | loans exceed deposits |  |
| 2020-03 | 0 |  | loans exceed deposits |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 0 |  | loans exceed deposits |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | deposits shrinking |  |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 1 | deposits shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-31 [Sioux City-based bank acquires Northwestern Bank - KCAU 9 News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcGJGUTdyNEkyaWlQZ3Q1a29fRU9sV2Q1RU5DV3JWaUxUamFya1VxdW9hNDVwbGcxZHFqRDRMLVlIb0pZbEtKcUpxVXdyR3dMNWZrMVZOVGlOeV9qZlZjSU5aQUg2aGhjMlROWl9Cd09pODB1RTVDWGNXa0FHaVZXSU5Pa3dWNlFPZ3JHaHl1djXSAZYBQVVfeXFMT1lER1JHUk9SbEpOUmdNOE9DQnhiVG45MTJFaGRWN21SSk40aGQwTldpX1ZYekl4TWt3aGR2Um54eWVHVlF1ZEZZNUdOTGhBZkNxcFJERGdDX2tsbXdpaWQ3R2QtcW1LUWotTkRESC1ES3dwek9EbG5wQWRWTWhrRXJSRFgyc29MLWl6Wi0zRlU5bk81bUpB?oc=5) · KCAU 9 News
- 2012-10-26 [John Heller named new president of Northwestern Bank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMizgFBVV95cUxQRTFDaDJ4ZE04Z1ZjZ05TT29RYUVPbmRjTVdPZ09fV2lJbE5TNGFoNk9FZGx6Ml9xekZIaUtEc1ZWMlhfY29FY1c4VGpTd245d0R2cUZRWDRkNVd4TmZaVm4walhnWHJOcW9GbjNyV3BQVnM3Rldrdl9rOU15dzVWQXRVMThBTWNkUHI5akVMcDg3djJiV1RXTjdoN1FwdXdkVkV0ZzRSZ1J2c0NqQmc3UU9wQ1dENWxNSjRVd0xCWWktbDhvZUtHeGZaR3B2Zw?oc=5) · The N'West Iowa REVIEW
- 2023-05-14 [Northwestern Bank: Local banker's case may get U.S. Supreme Court review - Traverse City Record-Eagle](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPY3lmOUlRX3pGSTlydTl5bFkzbl9CMGxTOGwtUzc2cENhLUdMalN2bkNMUGxIWGxQTVJZbWtJdVNfbTlqa1plRzY0OHhTcHloWThxUW5NNDZNWmlmSklzRFM3Z1MybjN4RjdMU0dhTURnTTJKYXIyc244MURtVHFsQjR0VjlETDlESkRmTE40UmpHcUY2eXcydjJhNmYyTV9IUjJSS1BwR1dKWVpGR0dTd0d4VE11bDhJWmxWYl85R2hfQ1gxNXdkU25lMVdDUlJQQWVWUW83U0ZzeGxxMk5oTkpfWmdndWh1YVJGdUpuUzh3TVhyNkYw?oc=5) · Traverse City Record-Eagle
- 2025-06-24 [Wilmina Dorothy Kleyne Fouts Obituary Jul 20, 2012 - Mitchell Family Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9zdzFzV2VaQWZUTmsyOXhMNHB6RTF1V1FiNk8yT2Y1NVdFRjBPcktDUWZNTDNna3VCV2RkblQzT1R5Z21vV1NrSnZIcGJXdWx2Y3NEZERTaWhGQkgzRWlsWA?oc=5) · Mitchell Family Funeral Home
- 2018-05-17 [Lileks: Remembering Minnesota's other favorite mascot bear - Star Tribune](https://news.google.com/rss/articles/CBMimwFBVV95cUxNNHl4OU1mRF82UFRLOURtTWJCWXBmVXJ5aVRDQW1LeFhsdEg0X1VBRktxcW9KMkhCQnBYMWI5dGVFSFRUMERqNmtJVTZLZ012QlJKNURiTHpvN3J0dEgxTVBKM2d2QWZZME55R0N5NE1jRFdOb3pFMVVHdHZHTGRTNTMzM2szaDNxcDRUSEptSUlWWmhNTmZFdDZ5dw?oc=5) · Star Tribune
- 2025-07-19 [Security National Bank names Seivert branch manager - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQTEduQUZqdHg3MWV2Zzg0OEJEMGxrcG8zT2c2ZkJ1QnhucTBNT3VBaVpXeWpNYVo4TjBOamc1aEdOel80bS1MZUF2d05lWXhzTkJIajV3aElUZWVySnFlRjhRSDVNaDJ2eVBaQ21PRDItSnNYVlJpMlBsak83cC1QWEVZaG9DeFN4eld2UE5tS0I2dzg2U1hGUDR0Y0gyMEtfWVdWSTlJUFV4bm12QTJCMTI5dU5oOXY2SUxnUDkyYXJhYV92ajEyQ3JYX1hvNUh5NkE?oc=5) · The N'West Iowa REVIEW
- 2017-07-27 [SNLC Stock Price and Chart — OTC:SNLC - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA1eGFHdm5VWjFlRDA4dzM0M21iQ0V3Y3gzS2FpSjZqTjVNMVo0RGNWclZiWFk1N24yNHNwMVFCTnQwMHlkQ3BqTEtla25UWk54N2FqRnlEZFk?oc=5) · TradingView
- 2020-05-05 [Timothy Nelson Obituary (1952 - 2020) - Davenport, IA - Quad-City Times - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOeUJQZUhlNzlHdkxPNzJFZXdfZlZCeXF6N2RPRnpDUTNtTEYxc2lWVkE5cEhFRDlsSEVHVmo2aXV5d1JwelF0SEZkY0xaLWhoUHJna0NDT0hTZ0JWQXpPaS1kS3Z5RU9RaEkyRVlUNFgtMU1XSjNVQmJlZHJkMmxZWTZzclEwUDNFT1NsTg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13411 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "13411", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide