BlastPoint's Banking Scorecard
Northwest Bank
Designations: ✓ Community bank
Boise, ID
6 branches across ID · OR · UT · WA
Northwest Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio 8.34% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29.8% in tier
- - Delinquency Rate 2.86% above tier average
- - Nonperforming Asset Ratio 1.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-2.3% YoY
-1.0% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$889.5M
-2.3% YoY
+3.0% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$1.1B
-3.3% YoY
-1.4% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.37%
-11.0% YoY
-18.1% QoQ
|
+0.01% |
1.37%
+19.6% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
4.48%
-0.3% YoY
-3.1% QoQ
|
+0.66% |
3.82%
+6.9% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
Top 11.9% in tier |
| Efficiency Ratio ? |
52.72%
+6.0% YoY
+5.8% QoQ
|
-8.34% |
61.06%
-4.6% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
3.75%
+141.3% YoY
-7.6% QoQ
|
+2.86% |
0.89%
+14.1% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.5% in tier |
| Loan-to-Deposit Ratio ? |
79.39%
+1.0% YoY
+4.5% QoQ
|
-4.81% |
84.20%
+0.3% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.99%
+28.4% YoY
-2.1% QoQ
|
+2.71% |
21.29%
-2.5% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
2.28%
+141.2% YoY
-3.9% QoQ
|
+1.61% |
0.67%
+15.6% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.9% in tier |
| Tier 1 Capital Ratio ? |
15.69%
+9.9% YoY
+2.7% QoQ
|
+0.53% |
15.16%
+2.0% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.09%
+54.6% YoY
-55.7% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
27% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.