Total Assets
$169M
Total balance-sheet footings
FDIC Cert #9746 · Dilworth, Minnesota · Est. 1915
Northwestern Bank, National Association - FDIC Bank Health Profile
A community-scale look at Northwestern Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $169M
- Total assets
- B
- Health grade · Good
- 1.08%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
Northwestern Bank, National Association earns a PlainBankData health grade of B (68/100), with well-capitalized at 10.71% Tier 1, profitable at 1.08% ROA, 78% efficiency ratio.
- #3,224
- largest of 4,313 FDIC banks by assets
- 25th
- percentile by asset size, nationally
- 10.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Northwestern Bank, National Association's 68/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Northwestern Bank, National Association's composite health score
Tier 1 Capital Ratio (10.71%) 28/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (9.77%) 16/20
Efficiency Ratio (77.65%) 4/15
68 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$148M
Customer-funded liabilities
Net Loans
$121M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Northwestern Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Northwestern Bank, National Association's score of 68/100 falls in the highlighted band.
Northwestern Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Northwestern Bank, National Association's $169M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.71%
Texas Ratio
9.77%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.08%
Return on Equity (ROE)
10.02%
Efficiency Ratio
77.65%
What the numbers say about Northwestern Bank, National Association
Northwestern Bank, National Association is an FDIC-insured institution (Certificate #9746) headquartered in Dilworth, Minnesota, established in 1915. It holds $169M in total assets - 3,224th of 4,313 FDIC-insured banks, $148M in customer deposits, and $121M in net loans. Its capital position: a Tier 1 ratio of 10.71%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 9.77% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (68 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Northwestern Bank, National Association sits 126th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$761K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Northwestern Bank, National Association reports a Texas Ratio of 9.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Northwestern Bank, National Association (FDIC Cert #9746) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Northwestern Bank, National Association's health grade?▼
Northwestern Bank, National Association receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Northwestern Bank, National Association?▼
Northwestern Bank, National Association holds $169M in total assets and $148M in deposits, ranking 3,224th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dilworth, Minnesota.
Is my money safe at Northwestern Bank, National Association?▼
Yes, deposits at Northwestern Bank, National Association (Certificate #9746) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Northwestern Bank, National Association's Tier 1 Capital Ratio?▼
Northwestern Bank, National Association has a Tier 1 Capital Ratio of 10.71%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Northwestern Bank, National Association?▼
Northwestern Bank, National Association has a Texas Ratio of 9.77%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Northwestern Bank, National Association?▼
Northwestern Bank, National Association has an Efficiency Ratio of 77.65%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Northwestern Bank, National Association's profile as a depositor or analyst.
- Northwestern Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Northwestern Bank, National Association against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.