🏦Bank Scorer

This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

5.69%

Risk-Based Capital

15.20%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate5.67%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419484.54%5.67%
202325884.5%5.04%
202220371.92%8.87%
202136182.83%8.03%
202052482.44%8.97%
201931782.02%8.83%
201825278.57%13.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1998

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/17e13f73-20f8-4033-bff9-180aa3d7ae5f"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: