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Northwest Bank

$1B-$10B Specialty: Commercial IA FDIC cert 32647

Designations: ✓ Community bank

Spencer, IA

22 branches across IA · NE

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 27 in IA.
  • Deposits +5.5% year over year ($2.6B on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.35%.
  • Efficiency ratio 57.55% vs a 59.73% peer average.
  • Loan-to-deposit ratio 93.89% 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 27 in IA
View $1B-$10B leaderboard (IA) →

Northwest Bank has 2 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

  • + Efficiency Ratio 2.17% below tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 24.3% in tier
  • - Liquidity Strain: Bottom 26.3% in tier
  • - Net Interest Margin 0.21% below tier average
Get updates when Northwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $3.0B
+1.6% YoY +1.1% QoQ
+$206.0M $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $2.5B
+5.0% YoY +2.7% QoQ
+$499.4M $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $2.6B
+5.5% YoY +0.4% QoQ
+$304.1M $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
73%
Return on Assets ? 1.35%
+59.0% YoY +7.3% QoQ
-0.04% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 3.66%
+19.7% YoY +2.0% QoQ
-0.21% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 57.55%
-14.1% YoY -2.7% QoQ
-2.17% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.24%
-53.3% YoY +15.4% QoQ
-0.63% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 93.89%
-0.5% YoY +2.3% QoQ
+8.85% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 18.66%
-2.3% YoY +6.2% QoQ
-2.61% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.20%
-51.6% YoY -0.3% QoQ
-0.48% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 11.19%
-2.3% YoY -3.5% QoQ
-3.65% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.46%
+24.0% YoY +106.4% QoQ
-0.07% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
77%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 18.7%
-0.4pp YoY
+1.1pp QoQ
 -2.7pp 21.4% 17.8% 22.2% 43%
Brokered Deposits 0.1%
-0.4pp YoY
0.0pp QoQ
 -9.4pp 9.5% 6.0% 8.5% 5%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 13.8%
+1.7pp YoY
+0.7pp QoQ
 -0.2pp 14.0% 12.8% 12.5% 62%
CRE 38.1%
-1.2pp YoY
-0.2pp QoQ
 -11.9pp 50.0% 28.3% 41.4% 21%
1-4 Family 29.0%
-0.2pp YoY
+0.1pp QoQ
 +2.6pp 26.4% 23.0% 31.3% 64%
Consumer 1.3%
-0.2pp YoY
0.0pp QoQ
 -3.4pp 4.7% 2.9% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 11.2%
-0.3pp YoY
-0.4pp QoQ
 -4.4pp 15.6% 15.4% 19.7% 13%
Leverage Ratio 10.1%
+0.1pp YoY
-0.2pp QoQ
 -1.2pp 11.3% 12.4% 12.6% 40%
Total Capital Ratio 12.4%
-0.3pp YoY
-0.4pp QoQ
 -4.3pp 16.7% 16.5% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 403
-3 (-0.7%) YoY
+7 (+1.8%) QoQ
 +89 313 64 482 78%
Assets per Employee ($) $7.4M
+2.3% YoY
-0.6% QoQ
 -$3.0M $10.5M $8.9M $8.8M 29%
Branch Count 22
-1 (-4.3%) YoY
-1 (-4.3%) QoQ
 +2 20 5 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 59%
Nonaccrual 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 0.8% 1.0% 1.0% 20%
Allowance Coverage 5.33x
+113.7% YoY
-15.2% QoQ
 -13.38x 18.71x 18.97x 20.23x 80%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 50%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.7%
+4.4pp YoY
+1.0pp QoQ
 +1.1pp 12.6% 12.8% 11.6% 63%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.9% 1.8% 1.7% 42%
Net Income ($, YTD) $20.1M
+61.8% YoY
— QoQ
 +$841K $19.2M $4.0M $40.4M 70%

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 (2)

Capital Thin

risk
#55 of 222 • Bottom 24.3% 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: 11.19%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Liquidity Strain

risk
#96 of 361 • Bottom 26.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.89%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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 (3 metrics)

207
Non-Interest Income / Assets
revenue_mix
Value: 0.46%
Peer Median: 0.53%
#207 of 885 Top 23.3% in $1B-$10B
214
Total Loans
size
Value: $2.46B
Peer Median: $1.96B
#214 of 885 Top 24.1% in $1B-$10B
216
Delinquency Rate
credit_quality
Value: 0.24%
Peer Median: 0.87%
#216 of 882 Top 24.4% in $1B-$10B

Top Weaknesses (1 metrics)

699
Tier 1 Capital Ratio
capital
Value: 11.19%
Peer Median: 14.84%
#699 of 885 Bottom 21.1% in $1B-$10B
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