Northwestern Bank NA (FDIC #9746): Bank Stress & Real-Estate Credit Exposure

Northwestern Bank NA (FDIC Cert #9746): bank stress 49/100, moderate, STABLE over 7 days; parent NORTHWESTERN BANCSHARES INC.

Northwestern Bank NA (#9746) lends in 4 counties across 1 state; Northwestern Bank NA (#9746) reaches 70 ZIP codes: Minnesota 4 counties, 70 ZIPs.

Northwestern Bank NA (#9746) largest markets: Otter Tail County, MN (34 branches, 34 ZIPs) (#9746), Clay County, MN (51 branches, 17 ZIPs) (#9746), Becker County, MN (16 branches, 16 ZIPs) (#9746), Norman County, MN (15 branches, 15 ZIPs) (#9746).

Northwestern Bank NA (#9746) reports $164.7 million in total assets; Northwestern Bank NA (#9746) equity $18.7 million (11.4% of Northwestern Bank NA (#9746) assets); Northwestern Bank NA (#9746) domestic deposits $143.7 million; Northwestern Bank NA (#9746) net income $1.5 million; Northwestern Bank NA (#9746) return on assets 1.85%; Northwestern Bank NA (#9746) return on equity 16.78%; Northwestern Bank NA (#9746) net interest income $4.8 million; Northwestern Bank NA (#9746) call report June 30, 2026.

Northwestern Bank NA (#9746) noncurrent real-estate loans 0.14% of its book; Northwestern Bank NA (#9746) residential 0.35%; Northwestern Bank NA (#9746) net charge-offs on real estate 1.56%; Northwestern Bank NA (#9746) residential charge-offs 3.31%.

Northwestern Bank NA (#9746) net interest margin 6.20% against an eight-quarter Northwestern Bank NA (#9746) average of 5.24% (Northwestern Bank NA (#9746) compression -0.96 points); Northwestern Bank NA (#9746) real-estate loans 14.1% of equity; Northwestern Bank NA (#9746) non-residential real estate 331.4% of equity; Northwestern Bank NA (#9746) rate-exposure score 40/100, Northwestern Bank NA (#9746) fixed-rate trap 40/100; Northwestern Bank NA (#9746) risk type credit driven; Northwestern Bank NA (#9746) rate regime rates elevated, Northwestern Bank NA (#9746) snapshot October 20, 2026.

Northwestern Bank NA (#9746) stress score moved from 60 on June 22, 2026 to 48.8 on October 20, 2026; Northwestern Bank NA (#9746) ranged 48.8 to 60 over 117 snapshots.

Northwestern Bank NA (#9746) alerts: 4 counties; top Northwestern Bank NA (#9746) alert scores: Detroit Lakes County, MN 20 (low); Fergus Falls County, MN 20 (low); Hendrum County, MN 20 (low); Ulen County, MN 20 (low).