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Northwest Bank

$1B-$10B Specialty: Commercial ID FDIC cert 58752

Designations: ✓ Community bank

Boise, ID

6 branches across ID · OR · UT · WA

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 5 in ID.
  • Deposits -2.4% year over year ($1.1B on the books).
  • Delinquency rate 3.85%.
  • Return on assets 1.43%.
  • Efficiency ratio 55.10% vs a 59.73% peer average.
  • Loan-to-deposit ratio 77.25% 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 5 in ID
View $1B-$10B leaderboard (ID) →

Northwest Bank has 2 strengths but faces 6 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

  • + Net Interest Margin 0.61% above tier average
  • + Efficiency Ratio 4.62% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 17.7% in tier
  • - Cost Spiral: Bottom 19.3% in tier
  • - Flatlined Growth: Bottom 45.7% in tier
  • - Deposit Outflow: Bottom 45.8% in tier
  • - Delinquency Rate 2.98% above tier average
  • - Nonperforming Asset Ratio 1.58% above tier average
Get updates when Northwest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Total Assets ? $1.5B
-1.2% YoY -0.5% QoQ
-$1.3B $2.8B
-0.6% YoY
$1.2B
+4.9% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $850.3M
-6.0% YoY -4.4% QoQ
-$1.1B $2.0B
-0.3% YoY
$741.9M
+9.8% YoY
$3.2B
+9.4% YoY
18%
Total Deposits ? $1.1B
-2.4% YoY -1.8% QoQ
-$1.2B $2.3B
-0.5% YoY
$1.0B
+5.9% YoY
$4.9B
+7.3% YoY
23%
Return on Assets ? 1.43%
-16.1% YoY +3.8% QoQ
+0.04% 1.39%
+17.0% YoY
1.42%
+7.8% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.48%
-3.5% YoY -0.1% QoQ
+0.61% 3.87%
+6.2% YoY
4.21%
+5.4% YoY
3.95%
+4.9% YoY
Top 12.9% in tier
Efficiency Ratio ? 55.10%
+11.7% YoY +4.5% QoQ
-4.62% 59.73%
-12.6% YoY
57.44%
-5.2% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 3.85%
+72.1% YoY +2.5% QoQ
+2.98% 0.87%
+11.7% YoY
1.19%
+207.4% YoY
0.98%
+16.3% YoY
Bottom 2.2% in tier
Loan-to-Deposit Ratio ? 77.25%
-3.7% YoY -2.7% QoQ
-7.78% 85.04%
-0.1% YoY
74.07%
+1.8% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 22.42%
+1.0% YoY -6.5% QoQ
+1.15% 21.27%
-1.5% YoY
28.32%
+5.3% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 2.25%
+63.6% YoY -1.5% QoQ
+1.58% 0.67%
+11.7% YoY
0.71%
+195.7% YoY
0.69%
+15.8% YoY
Bottom 5.1% in tier
Tier 1 Capital Ratio ? 16.57%
+16.1% YoY +5.6% QoQ
+1.72% 14.84%
-0.4% YoY
15.84%
+2.7% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.17%
+56.9% YoY +91.1% QoQ
-0.36% 0.53%
+2.5% YoY
0.23%
+7.1% 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 (ID) National Avg Tier Percentile
Noninterest-Bearing 22.4%
+0.2pp YoY
-1.6pp QoQ
 +1.1pp 21.4% 28.3% 22.2% 62%
Brokered Deposits 11.5%
-6.7pp YoY
+0.3pp QoQ
 +2.1pp 9.5% 6.0% 8.5% 73%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
C&I 38.4%
-1.5pp YoY
+0.1pp QoQ
 +24.4pp 14.0% 16.5% 12.5% 95%
CRE 62.0%
+0.9pp YoY
-0.6pp QoQ
 +12.0pp 50.0% 45.4% 41.4% 79%
1-4 Family 0.8%
+0.3pp YoY
+0.3pp QoQ
 -25.7pp 26.4% 20.7% 31.3% 2%
Consumer 0.1%
0.0pp QoQ
 -4.6pp 4.7% 7.4% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 17.1% 19.7% n/a
Leverage Ratio 16.6%
+2.3pp YoY
+0.9pp QoQ
 +5.3pp 11.3% 12.6% 12.6% 96%
Total Capital Ratio n/a n/a 16.7% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Full-Time Employees 132
+2 (+1.5%) YoY
+3 (+2.3%) QoQ
 -182 313 143 482 17%
Assets per Employee ($) $11.0M
-2.7% YoY
-2.8% QoQ
 +$532K $10.5M $8.0M $8.8M 72%
Branch Count 6
0 YoY
0 QoQ
 -14 20 11 18 14%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.0% 0.4% n/a
Nonaccrual 3.8%
+1.6pp YoY
+0.1pp QoQ
 +3.0pp 0.8% 1.3% 1.0% 98%
Allowance Coverage 0.39x
-47.5% YoY
-12.5% QoQ
 -18.32x 18.71x 25.14x 20.23x 4%
Net Charge-off Rate (YTD) 0.9%
+0.5pp YoY
-0.1pp QoQ
 +0.6pp 0.3% 0.2% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
ROE 9.1%
-3.2pp YoY
+0.2pp QoQ
 -3.5pp 12.6% 11.8% 11.6% 27%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
-0.1pp QoQ
 +0.3pp 1.9% 1.4% 1.7% 73%
Net Income ($, YTD) $10.4M
-16.3% YoY
— QoQ
 -$8.8M $19.2M $8.6M $40.4M 42%

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 (4)

Margin Compression

decline
#16 of 85 • Bottom 17.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.43%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

Cost Spiral

risk
#7 of 31 • Bottom 19.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 55.10%
(Tier: 59.73%, National: 70.05%)
better than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ

Flatlined Growth

risk
#75 of 162 • Bottom 45.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.43%
(Tier: 1.39%, National: 1.30%)
better than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Deposit Outflow

decline
#61 of 131 • Bottom 45.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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 (2 metrics)

115
Net Interest Margin
profitability
Value: 4.48%
Peer Median: 3.87%
#115 of 885 Top 12.9% in $1B-$10B
146
Tier 1 Capital Ratio
capital
Value: 16.57%
Peer Median: 14.84%
#146 of 885 Top 16.4% in $1B-$10B

Top Weaknesses (5 metrics)

864
Delinquency Rate
credit_quality
Value: 3.85%
Peer Median: 0.87%
#864 of 882 Bottom 2.2% in $1B-$10B
841
Nonperforming Asset Ratio
credit_quality
Value: 2.25%
Peer Median: 0.67%
#841 of 885 Bottom 5.1% in $1B-$10B
726
Total Loans
size
Value: $850.32M
Peer Median: $1.96B
#726 of 885 Bottom 18.1% in $1B-$10B
683
Total Deposits
size
Value: $1.10B
Peer Median: $2.32B
#683 of 885 Bottom 22.9% in $1B-$10B
667
Non-Interest Income / Assets
revenue_mix
Value: 0.17%
Peer Median: 0.53%
#667 of 885 Bottom 24.7% in $1B-$10B
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