# NORTHWESTERN BANK
TRAVERSE CITY, MI · FDIC certificate 30792 · asset band $300M-1B · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $862.0M | |
| Deposits | $779.6M | |
| Loans and leases | $514.0M | |
| Total equity | $79.2M | |
| Loans / deposits | 63.74% (p21 of band) | 80.43% |
| Liquid assets / assets | 36.54% (p72 of band) | |
| Uninsured deposits / deposits | 15.94% (p40 of band) | 18.44% |
| Brokered deposits | 0.05% | |
| Wholesale funding | 0.05% (p12 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p23 of band) | 10.05% |
| Unrealized securities loss / equity | -0.20% (p31 of band) | 0.40% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.52% (p21 of band) | 0.88% |
| Net interest margin | 3.23% (p25 of band) | 3.62% |
| Efficiency ratio | 82.39% (p83 of band) | |
| Noncurrent loans | 6.27% (p98 of band) | 0.96% |
| Net charge-offs (annualized) | -0.06% (p6 of band) | |
| Reserve coverage of noncurrent | 53.02% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 54.39% (p70 of band) | |
| Auto loans | $3.4M (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 311 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, construction >100% equity |  |
| 2011-09 | 1 |  | losing money, construction >100% equity |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2013-03 | 4 | expense ratio p90 | uninsured deposits leaving, capital falling, charge-offs p90 |
| 2013-06 | 4 | charge-offs p90 | expense ratio p90 |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | losing money |
| 2014-03 | 3 | expense ratio p90 | charge-offs p90 |
| 2014-06 | 2 |  | expense ratio p90 |
| 2014-09 | 2 |  |  |

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

- 2026-06-01 [FDIC bans, fines ex-bank CEO involved in Supreme Court case - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxNLURrSnoyQmtsLUxITE1WQW5ienZDNEplSW42ZDdpRmg3SC1qLWVfUjh4YXp5S0czdUxidVFCbndEdlNiYU1WX0tObGFPcGNfUTRuRFZTdk9SdFdrbU43T0o0WXA4Ry1TT3Nxb2FEOVIwNjRXUU9jRUtmaW1LS25HT1paUlJXRlFMRXpkc1lWLUY1RzNRcGpMRDZzOHhQWWJpVmRR?oc=5) · Banking Dive
- 2026-05-05 [DIRECTORS, OFFICERS AND... - vitallaw.com](https://news.google.com/rss/articles/CBMilwJBVV95cUxQcnR4Mno1QUN3cm5sN0ZNUG9ITWNMMmNIbUgzUF9rZzgyUUxUT1lBS3hkaFdHN19nWjZXWFJZT0h6QkVjdW9iQTlNMjFLWWFydlVaR09zVXFJV1VZMXc3N1FEYUxMNEU3a3BiRU93d0txVDNhc0lXWHE3SVIyU2NYMU1fTjRzRjlldnV6aVFvbDlXX0VSNGE4bjhtTkFRNGFyM3NEdXZUQUp1QTkySnpVVVFnREI3RFBfS2dCMTNTR0R5X21yOFN5aXNwb05RQWpuNkFBSFlST1hUa2plVDY5UXU3QXRiNE1FYmc0X0JIazlEbl9jenE4UjhFVFdjY1BBTFc2MkYxUzVzVksydGZidVhDOERwSnM?oc=5) · vitallaw.com
- 2020-11-09 [Jacobson and Williams named to Minneapolis Fed board of directors - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMitgFBVV95cUxNTnBIbDktTlVkOHRqajMzWE11SXkwNlNXVnlTb192VDdtMTBuYThyNHBvWGJlaTVLYzRDc0JLQUUxdWxWYThNVUZpWThIT1U3aE11Z19SSFRzMk81S0NXMlp3bUZZSVB2VE9LRk43S0c5SUN0a01fVWNQQ25hZmlKbXhZYlBmZjdDdWMwQmY5N0Njclp0aDl1NjYycE91dDQxZXhUREIybGhxd1pJSUxJQjFWbUlnQQ?oc=5) · Federal Reserve Bank of Minneapolis
- 2013-06-18 [Sara Spore promoted to commercial lender at Northwestern Bank - Manistee News Advocate](https://news.google.com/rss/articles/CBMipAFBVV95cUxQSnF2R3JXWFpGVjNEcW5kUVVZZV9NNUlIMk02N1kzdUFHX2hGc211VFM2NVk0RnEyeDlBNVBIUVRjX3VNU2xDU0djU1Y0MTA2Q2RveWVqVWZIWnlmeGJPV18yU3pOMzgyWThkdTdKWHotZVJoU01va1kyUVRESVB0NE9LWWg0OUhXRG15bkxRTm5TRzdUemJrM1Zzekk4TUt5eHU4TQ?oc=5) · Manistee News Advocate
- 2015-01-07 [Bank of Northern Michigan to be part of merger - Petoskey News-Review](https://news.google.com/rss/articles/CBMisAFBVV95cUxPVGR5SXN4TzJfY0ZsWlFPN3BvRVV1ZXRmR0ZmUldIQVc0WnVCVGdGYjVQOVRibEdscUs3ZjRnSUhJZXJBX2tJN3dGMlVkVnZMT0V4NjJDSGhkcmRvVmtsNEx6UWszb2RkSDNBTFRYcnFRVTRHSzExdDh4cnMtdDFmTHd1V21QS0V3Y2RyRzFaMDlRYl8wMkk2akxlYnprUDF2WGVBeDRYWnQ1aTZaNkNXeA?oc=5) · Petoskey News-Review
- 2020-12-01 [Chippewa Valley Banker Elected to Serve on Minneapolis Fed Board... - Volume One](https://news.google.com/rss/articles/CBMilgFBVV95cUxOVmdVTmRZYk1UX1hXZzdrTGR4WVhuSS03aWpuNTVkYWdlcTFCaW5DOG9BYUNram1saXJPbVhmNk1QOUdpZ3RzT3IzSXB3UFdYYnRDZ0hEN0VUazYzcGV6RHZBcUJnR29RZnpXYW9Tb1BLQXRDS3gtWVNjUFpWTUpjV3pnbU1WQ3c4clM1akU3RHlxUFpaMUE?oc=5) · Volume One
- 2014-03-13 [Northwestern Bank to become Chemical Bank - Shoreline Media Group](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPd1g3Wjk3NFpXY3l6U3NvdVBTTF9UY2NjTDB5XzlqczY3M3RpdTRXcDhCUDJFTWRqNm5ZdVBSQ0lKalAyeWdMenRNLWJteDZ1Wl8zRll2Y1NVZUhmOGk3MlBidUNmNGppUnJmTDdnbkRVb1g5RnJUdWVaUi1OSDU4dXpfNkJ3NzhYV2huamFDcUFtbEZjU0V2Z0tPcWZUS29KSGRlWVlFZVRCZWtOUXYzLUVCREYyYzdFR09ZWEZIcWkycjhXT1BVbjU1Zm1IT3JJRFNlWFNINnFRRXpUQWtneFREb2ZUN3hmVUE?oc=5) · Shoreline Media Group
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30792 (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/8.json (key "30792", 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