BlastPoint

BlastPoint's Banking Scorecard

Northwest Community Bank

$1B-$10B Specialty: Commercial CT FDIC cert 18229

Designations: ✓ Community bank

Winsted, CT

15 branches across CT

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 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
  • Deposits +4.2% year over year ($1.1B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 0.53%.
  • Efficiency ratio 79.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 96.84% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 15 in CT
View $1B-$10B leaderboard (CT) →

Northwest Community Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 48.3% in tier
  • - Return on Assets 0.86% below tier average
  • - Efficiency Ratio 19.81% above tier average
  • - Net Interest Margin 0.74% below tier average
Get updates when Northwest Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $1.3B
+7.9% YoY +1.7% QoQ
-$1.5B $2.8B
-0.6% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $1.0B
+10.3% YoY +2.9% QoQ
-$938.4M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $1.1B
+4.2% YoY -0.6% QoQ
-$1.3B $2.3B
-0.5% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
20%
Return on Assets ? 0.53%
+43.0% YoY +9.6% QoQ
-0.86% 1.39%
+17.0% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
Bottom 8.6% in tier
Net Interest Margin ? 3.13%
+11.9% YoY +2.6% QoQ
-0.74% 3.87%
+6.2% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 79.54%
-6.4% YoY -1.8% QoQ
+19.81% 59.73%
-12.6% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
Bottom 7.5% in tier
Delinquency Rate ? 0.61%
+14.1% YoY +5.9% QoQ
-0.26% 0.87%
+11.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 96.84%
+5.9% YoY +3.5% QoQ
+11.81% 85.04%
-0.1% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.79%
-8.4% YoY +2.6% QoQ
-2.48% 21.27%
-1.5% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.49%
+16.7% YoY +7.1% QoQ
-0.18% 0.67%
+11.7% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 11.99%
-5.0% YoY -1.1% QoQ
-2.85% 14.84%
-0.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.17%
-4.4% YoY +89.5% QoQ
-0.35% 0.53%
+2.5% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
25%

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 (CT) National Avg Tier Percentile
Noninterest-Bearing 18.8%
-1.7pp YoY
+0.5pp QoQ
 -2.6pp 21.4% 22.1% 22.2% 43%
Brokered Deposits 0.0%
-1.0pp QoQ
 -9.4pp 9.5% 8.1% 8.5% 4%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 4.6%
-0.8pp YoY
+0.1pp QoQ
 -9.4pp 14.0% 11.4% 12.5% 16%
CRE 35.3%
+6.7pp YoY
+0.9pp QoQ
 -14.7pp 50.0% 42.4% 41.4% 16%
1-4 Family 60.1%
-5.4pp YoY
-0.8pp QoQ
 +33.7pp 26.4% 42.2% 31.3% 95%
Consumer 0.7%
-0.6pp YoY
-0.1pp QoQ
 -4.0pp 4.7% 4.1% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 12.0%
-0.6pp YoY
-0.1pp QoQ
 -3.6pp 15.6% 15.0% 19.7% 23%
Leverage Ratio 8.7%
0.0pp YoY
0.0pp QoQ
 -2.6pp 11.3% 12.7% 12.6% 7%
Total Capital Ratio 13.1%
-0.7pp YoY
-0.2pp QoQ
 -3.6pp 16.7% 16.0% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 165
+7 (+4.4%) YoY
0 QoQ
 -149 313 342 482 29%
Assets per Employee ($) $7.6M
+3.3% YoY
+1.7% QoQ
 -$2.9M $10.5M $9.9M $8.8M 33%
Branch Count 15
0 YoY
0 QoQ
 -5 20 19 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.6%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.8% 0.7% 1.0% 57%
Allowance Coverage 1.51x
-21.6% YoY
-8.0% QoQ
 -17.20x 18.71x 4.87x 20.23x 38%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 7.7%
+1.9pp YoY
+0.7pp QoQ
 -4.9pp 12.6% 8.2% 11.6% 18%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.7% 1.7% 44%
Net Income ($, YTD) $3.3M
+51.2% YoY
— QoQ
 -$16.0M $19.2M $28.0M $40.4M 6%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#195 of 402 • Bottom 48.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

820
Efficiency Ratio
profitability
Value: 79.54%
Peer Median: 59.73%
#820 of 885 Bottom 7.5% in $1B-$10B
810
Return on Assets
profitability
Value: 0.53%
Peer Median: 1.39%
#810 of 885 Bottom 8.6% in $1B-$10B
711
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.87%
#711 of 885 Bottom 19.8% in $1B-$10B
710
Total Deposits
size
Value: $1.06B
Peer Median: $2.32B
#710 of 885 Bottom 19.9% in $1B-$10B
705
Total Assets
size
Value: $1.26B
Peer Median: $2.79B
#705 of 885 Bottom 20.5% in $1B-$10B
700
Loan-to-Deposit Ratio
liquidity
Value: 96.84%
Peer Median: 85.04%
#700 of 885 Bottom 21.0% in $1B-$10B
Powered by BlastPoint © 2026