This institution is no longer active

Operations ceased on November 1, 2014. CRA examination history below reflects the period it was active.

NORTHWESTERN BANK

TRAVERSE CITY, MI · Supervised by FDIC

Est. 1955FDIC #30,792RSSD: FDIC-30792

Part ofNORTHWESTERN BCORP→ View all charters

Satisfactory Same

Current rating · Exam: October 2014

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.52%

Is this bank safe?

NORTHWESTERN BANK holds a Satisfactory CRA rating (2014), meets basic financial requirements (ROA +0.52%).

Institution Profile

FDIC BankFind

Address

625 South Garfield Avenue, TRAVERSE CITY, MI

County

Grand Traverse County

Established

November 25, 1955

Total Assets

$862M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2014

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2014Call Report / FDIC

Total Assets

$862M

Total Deposits

$780M

Net Loans

$497M

Net Income

$3M

ROA

0.52%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.69%

Risk-Based Capital

15.20%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.52%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.20%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.67%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	194	84.54%	5.67%
2023	258	84.5%	5.04%
2022	203	71.92%	8.87%
2021	361	82.83%	8.03%
2020	524	82.44%	8.97%
2019	317	82.02%	8.83%
2018	252	78.57%	13.89%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2014	Satisfactory	Intermediate Small Bank
Oct 2011	Satisfactory	Intermediate Small Bank
Jun 2008	Satisfactory	Intermediate Small Bank

3 previous ratings locked — back to 1998

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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