BlastPoint's Banking Scorecard
Bank Northwest
Hamilton, MO
6 branches across MO
Bank Northwest has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.55% above tier average
- + Net Interest Margin 1.58% above tier average
- + Efficiency Ratio 18.93% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.6% in tier
- - Credit Quality Pressure: Bottom 11.2% in tier
- - Capital Thin: Bottom 28.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$219.1M
+4.5% YoY
-1.6% QoQ
|
-$167.0M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$169.0M
+2.9% YoY
+0.9% QoQ
|
-$86.7M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$199.6M
+4.6% YoY
+0.1% QoQ
|
-$128.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
2.81%
-2.1% YoY
-2.3% QoQ
|
+1.55% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 2.9% in tier |
| Net Interest Margin ? |
5.51%
+2.1% YoY
+1.6% QoQ
|
+1.58% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 2.9% in tier |
| Efficiency Ratio ? |
46.36%
+4.2% YoY
+1.4% QoQ
|
-18.93% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 10.4% in tier |
| Delinquency Rate ? |
0.15%
+30.9% YoY
-15.5% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
84.64%
-1.6% YoY
+0.7% QoQ
|
+8.00% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
25.15%
-2.5% YoY
-4.2% QoQ
|
+3.13% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.13%
+36.4% YoY
-8.4% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
8.75%
-4.1% YoY
-18.5% QoQ
|
-7.08% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.3% in tier |
| Non-Interest Income / Assets ? |
0.07%
-2.3% YoY
-79.1% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
30% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.