# NORTHWESTERN BANK
CHIPPEWA FALLS, WI · FDIC certificate 2468 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $725.6M | |
| Deposits | $575.2M | |
| Loans and leases | $598.5M | |
| Total equity | $75.2M | |
| Loans / deposits | 102.13% (p91 of band) | 82.04% |
| Liquid assets / assets | 15.34% (p17 of band) | |
| Uninsured deposits / deposits | 27.66% (p57 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.05% (p77 of band) | |
| FHLB advances / assets | 10.05% | |
| Tier 1 leverage | 11.22% (p58 of band) | 10.81% |
| Unrealized securities loss / equity | -9.71% (p45 of band) | -8.10% |
| AOCI / equity | 1.80% (p97 of band) | |
| ROA (annualized) | 2.40% (p93 of band) | 1.28% |
| Net interest margin | 4.14% (p63 of band) | 3.91% |
| Efficiency ratio | 44.73% (p10 of band) | |
| Noncurrent loans | 0.03% (p14 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p6 of band) | |
| Reserve coverage of noncurrent | 6959.12% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 61.71% (p66 of band) | |
| Auto loans | $142,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | charge-offs p90 | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 1 | charge-offs p90 |  |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2023-06 | 2 | brokered >10% | uninsured deposits leaving |
| 2023-09 | 2 | deposits shrinking | brokered >10% |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2024-09 | 2 |  | deposits shrinking |
| 2024-12 | 3 | deposits shrinking |  |
| 2025-03 | 2 |  | deposits shrinking |
| 2025-06 | 1 |  | wholesale funding >15% |
| 2025-09 | 0 |  | loans exceed deposits |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | loans exceed deposits |  |

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

- 2026-05-14 [The Places & People Rooted In Chippewa Falls - Northwestern Bank... - Volume One](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeHFoOTZEeUlkZ2NCTkJsYUlUOTRyM040b3BXWGRWQnYzYWdqUGlDek1ScGsxUTJqaG1HeWhSMzQtVkFZMlYwNlI0dUlueGZzaFViMURlbTdDVUVxVUN4WlRMRTNEa3ZDTm40Z2NVdHJ6RHowS1NudDlIdFV4UHBtTFJ3bEFTRElEUW9tcGxEQ1NZeXQzYjM3QnNKVFhUUTFXY1dZSWRXLTNBbUdPYUx6RA?oc=5) · Volume One
- 2025-12-25 [Northwestern Bank’s Jerry Jacobson retires after 47 years in community banking - WEAU](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQWWExdUdWenRoU1RQTVRyaDluOTRwSGllRmZZa3R4Z3hNeHIxY2cxQ2Vabm9DdVZhbW5rQW9McFVCWURFa051dW9MMXlqSFJXU2hlOXVpWFBmTzZBaEwzbU1jMjlEZFB1UUk4TExPUGZ2SnhkWnhoYmY3OFNvRlVrNlU5c1kyVVk4V3JsN1BFekVBd0tPZ1dDdkhSN2F6bEw2enc0YUtPUXhoTW_SAb8BQVVfeXFMUHR2bVdsSFk1QWowdFVrcUhHNC11V2FjTWRza3Z6SXM2YlBOS2JCdkdSSHJyTmY1U052bVlDVkhLSkg0cHhFX01UTXE2emk3MmlZeko0QWZHak93Zk9LMXpRMmFhUUxQbXY3dUlsUTVsWENkYVhmbFZ6YXF2MGd3U0FqMS1fekNPa1J6bTZFVGIxWUFYSHBqUTE1SWdtdUlId0dteWZza1FUeTF1RVhXQ1lFeFQwcU5zV1Ewb29ObzQ?oc=5) · WEAU
- 2026-03-20 [Northwestern Bank donates $45,000 to Family Support Center, aiding over 1,000 violence survivors in Chippewa Falls. - wqow.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxPR1dhMUJDVFVjYTNpVTh6b1JjeXlqZlgzaTRTMnpOam9sZkE5Z1V1UWhWN0kyNmV6U0NOeU9zY2pudjJFR0FvNkFnQzM4Yl9YOUNxeXpOdlR5eDJLbzhzRHpQbloxaWpnUG5FOUhKMXVlQVhfRTlBRDVDUlpVLTNnYlhGakxlRHpoQ1dCWkhZNzVpYi1UamhwR0loRHJ4QjBQbDlYdjVscHRzSWNmNjFMcW5SUGRZYno1SWw2TlZtQmcyZk9JQWl4aTE5UlJYeWxEbm1uUzFSeVN3NHJ5VHlpLWZwTU9uRW9jN0F5a0pITm1vcFFEdXhiTkZrM0RLejRWOVZtRFVWc2dTZWlwN0hNR1NNSko?oc=5) · wqow.com
- 2026-03-19 [Family Support Center receives $45K donation from Northwestern Bank - WEAU](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZjJEVkg1MnVPeTZ1RmZrWWdxa3JiVXllMGpMcHBoTGN0YTh3blNGclYzUFNiR2xXRFMzOGdrQnctOVFYMmkzRGpuS2V0dUNRMDAtMU9NYjNldDBtTnhqa3ZYMDB5VzdWeGZJdGFxUFdja0lyTXFiUGJRcGlaS2lLTzlhLWRiQXRBQXRFUkZudXo3NXlDSmdidkFB0gGuAUFVX3lxTFB0azFyamtwelRMams1RWM0dGU5a2Z0by1udmFBZXNnb3k0d2lyMVVqRUtvWU1rLTg2blpzc0M3anQ3MERKdURXU0NabXlNamtLc3V5TXBvNHUzTE13U3V0YUVWSXJwLTVWUkZLQ2Vuek5rRjlKLUYyVFNWTGplYld5eUZjcldURDJZZGZ0Uk1qTzNPbE5lMkFWbGtQTkdWSEgxQWZGX3Y2UXR2ejZhUQ?oc=5) · WEAU
- 2026-01-14 [Central WI banks warn of 'recovery scams' targeting fraud victims - Stevens Point Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxQTUNOUklwUmFNNjFnV2phVHRiUnh5clUzX2FCWFE2aXhoNUl0bkM0ZnhSU09OOTNFYXZMaXpQU0ZtNkttTGJNZk9SQW5VNVd6UUVZNlowVkdyU1Y4a05kdmxVc0dGdk9jT3pSeExmRHN2dTBUSHQ3dzhUQ01EbmFTX2p0UmlfSmdJMS1vUVVlOVFDeHN3MVZYb0lfSFVEamFpakdoa24tbVpSSGRKWGF0TWh4WmJ0RUk5UktfX29yVHVWWkJhQ3ByUU1wVUV1N0I0TnNyLXdjU2liSXpNdEdrX3ZpSGh1cTkxTzdFN1ZtSVJqUQ?oc=5) · Stevens Point Journal
- 2021-01-08 [Gerald JacobsonClass A Director - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBlZ0k1WmZzb1g0UG9Oa3NTSXJsUWJTbGxWYWw5SkRxQVRzNzFaMlhEWWlPeVNzX0dkekQ3b0JuWXoyZWdSTTIwS1pzVDNoaXhyRF9LMEFOQnpoZXgyMGc3Tm1Caw?oc=5) · Federal Reserve Bank of Minneapolis
- 2025-12-25 [Northwestern Bank's Jerry Jacobson Retires After 47 Years in Community Banking - WEAU](https://news.google.com/rss/articles/CBMiswFBVV95cUxQajlLVXR0bHhMRzBBWnVfSUR0YU81bVNoelJvVTM0UktLUXF0RHdQUnhpQjR3R3QwQ1ZQSkE0NFdyVVdVa1M3RlB3QmlxUmJodFhaUGtNZmpqSzl2VHJaMHpvMDE2ci0tWnpJZGlfRE5GV2pSaVBOYTgtQVVFSU93OENySWMxTldRUExfbjBiUW9uTHdTU3dkTFp6SmYzSnloRzBQUXE0ckRYMGZ2NVExZF85QQ?oc=5) · WEAU
- 2025-02-17 [Several northcentral Wisconsin banks join to educate public on fraud schemes - WSAW](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQ3l2c2t5bU1uQ1h3WE1XaldYeG5rRF9VZUpZOGM4d19yb1dJVGh2aE5JaVBiYlBUQm9JamptZlZ2anhEYlp2bjNrSURFd1JzU3lVS05nbUtVc3MxRThYWWNTam8xcjlhc2VrZ2xOa1JrUFVrVWJsY0NpTEtKWlRURjU2SEY2N2theUI5MkJrQ3BRQnI2ZUhUQXh5S05MbEFUT21tRHR30gG6AUFVX3lxTFBBOUh3c0NBZTJNWXc3WURLdlAyTk1yellBLTRSZDVzTDV0RWdLSlp4TFlKYVVPemxtV2V1c0lOM2VKZUc0WHQzZ1JsTmdxeVk2a2RjVXJQVDd1bDd0eWNETDdHbG0zNXdlQUMzdGRjdTU3aHNoZXpZaGlIYVJUS3czcVREazAwXzRiU0J5TGV0aTlsVnhrMWtrNkRzM1FFV1pqV2NMSS1iYmZjeXJhbEJEOHdQV1ZaUzBUZw?oc=5) · WSAW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2468 (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/36.json (key "2468", 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