BlastPoint

BlastPoint's Banking Scorecard

Bank Northwest

$100M-$1B Specialty: Agricultural MO FDIC cert 16601

Hamilton, MO

6 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits -3.6% year over year ($189.0M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 3.14%.
  • Efficiency ratio 43.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Bank Northwest has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 24.2% in tier
  • + Net Interest Margin 1.86% above tier average
  • + Efficiency Ratio 20.49% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 2.6% in tier
  • - Capital Constraint: Bottom 7.5% in tier
  • - Credit Quality Pressure: Bottom 10.9% in tier
Get updates when Bank Northwest releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $210.3M
-2.8% YoY -4.0% QoQ
-$176.3M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
29%
Total Loans ? $163.8M
-0.5% YoY -3.0% QoQ
-$94.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $189.0M
-3.6% YoY -5.3% QoQ
-$137.7M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 3.14%
+7.8% YoY +11.4% QoQ
+1.81% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 1.7% in tier
Net Interest Margin ? 5.85%
+8.1% YoY +6.0% QoQ
+1.86% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 1.8% in tier
Efficiency Ratio ? 43.99%
-1.2% YoY -5.1% QoQ
-20.49% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 7.6% in tier
Delinquency Rate ? 0.16%
+21.5% YoY +3.1% QoQ
-0.76% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 86.66%
+3.3% YoY +2.4% QoQ
+8.71% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 26.20%
+4.2% YoY +4.2% QoQ
+4.17% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.13%
-26.2% YoY +3.1% QoQ
-0.54% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 9.66%
-1.0% YoY +10.4% QoQ
-6.25% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 6.8% in tier
Non-Interest Income / Assets ? 0.13%
+0.7% YoY +99.0% QoQ
-0.43% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 26.2%
+1.1pp YoY
+1.0pp QoQ
 +4.1pp 22.1% 20.9% 22.2% 70%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 12.3%
+0.8pp YoY
-0.1pp QoQ
 +0.8pp 11.6% 12.3% 12.5% 65%
CRE 27.5%
+0.2pp QoQ
 -12.0pp 39.5% 36.8% 41.4% 30%
1-4 Family 12.0%
+0.4pp YoY
0.0pp QoQ
 -20.7pp 32.6% 31.9% 31.3% 14%
Consumer 2.4%
0.0pp YoY
+0.4pp QoQ
 -1.7pp 4.1% 4.1% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 9.7%
-0.1pp YoY
+0.9pp QoQ
 -2.5pp 12.2% 11.6% 12.6% 24%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 41
0 YoY
+1 (+2.5%) QoQ
 -18 58 162 482 42%
Assets per Employee ($) $5.1M
-2.8% YoY
-6.4% QoQ
 -$2.4M $7.5M $8.0M $8.8M 16%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 26%
Allowance Coverage 6.74x
-10.7% YoY
+5.0% QoQ
 -17.41x 24.15x 10.47x 20.23x 76%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 33.0%
+2.0pp YoY
+3.2pp QoQ
 +20.8pp 12.2% 14.3% 11.6% 98%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 32%
Net Income ($, YTD) $3.4M
+10.7% YoY
— QoQ
 +$853K $2.6M $11.3M $40.4M 74%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#161 of 661 • Top 24.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.14%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Capital Thin

risk
#18 of 661 • Bottom 2.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.66%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Capital Constraint

risk
#9 of 107 • Bottom 7.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 86.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 9.66%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Credit Quality Pressure

risk
#138 of 1256 • Bottom 10.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

45
Return on Assets
profitability
Value: 3.14%
Peer Median: 1.32%
#45 of 2643 Top 1.7% in $100M-$1B
48
Net Interest Margin
profitability
Value: 5.85%
Peer Median: 3.99%
#48 of 2643 Top 1.8% in $100M-$1B
201
Efficiency Ratio
profitability
Value: 43.99%
Peer Median: 64.48%
#201 of 2643 Top 7.6% in $100M-$1B

Top Weaknesses (1 metrics)

2465
Tier 1 Capital Ratio
capital
Value: 9.66%
Peer Median: 15.91%
#2465 of 2643 Bottom 6.8% in $100M-$1B
Powered by BlastPoint © 2026