BlastPoint's Banking Scorecard
Northwest Bank
Designations: ✓ Community bank
Spencer, IA
23 branches across IA · NE
Northwest Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.92% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.0% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+1.9% YoY
+0.4% QoQ
|
+$150.0M |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$2.4B
+6.1% YoY
+0.3% QoQ
|
+$432.9M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$2.6B
+2.9% YoY
+0.6% QoQ
|
+$268.0M |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
1.26%
+73.4% YoY
+22.0% QoQ
|
-0.11% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.59%
+23.2% YoY
+9.3% QoQ
|
-0.23% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
59.14%
-15.5% YoY
-6.7% QoQ
|
-1.92% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.21%
-67.5% YoY
-12.6% QoQ
|
-0.68% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
91.82%
+3.1% YoY
-0.4% QoQ
|
+7.62% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
17.57%
-1.2% YoY
-2.5% QoQ
|
-3.72% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.20%
-60.0% YoY
-10.7% QoQ
|
-0.48% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
11.60%
-0.6% YoY
-0.2% QoQ
|
-3.56% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.22%
+27.5% YoY
-73.1% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.