BlastPoint's Banking Scorecard
Northwest Community Bank
Designations: ✓ Community bank
Winsted, CT
15 branches across CT
Northwest Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.2% in tier
- - Efficiency Drag: Bottom 46.0% in tier
- - Return on Assets 0.88% below tier average
- - Net Interest Margin 0.77% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.0% YoY
+2.5% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$996.2M
+7.9% YoY
+2.0% QoQ
|
-$968.6M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.1B
+2.7% YoY
+6.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.49%
+98.5% YoY
+8.4% QoQ
|
-0.88% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.8% in tier |
| Net Interest Margin ? |
3.05%
+13.2% YoY
+4.6% QoQ
|
-0.77% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
80.98%
-10.1% YoY
-2.0% QoQ
|
+19.92% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate ? |
0.57%
-5.3% YoY
+13.1% QoQ
|
-0.32% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
93.59%
+5.0% YoY
-3.9% QoQ
|
+9.38% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
18.31%
-3.1% YoY
-2.9% QoQ
|
-2.97% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.46%
-2.7% YoY
+12.6% QoQ
|
-0.21% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
12.12%
-3.6% YoY
-1.0% QoQ
|
-3.04% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.09%
+24.6% YoY
-75.2% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.