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Bank Northwest

Hamilton, MO · Cert 16601 · Caldwell County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

93

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank Northwest

Hamilton, MO · Cert 16601 · Caldwell County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$210.3MAssets
$165.6MLoans
$189.0MDeposits
$20.3MEquity
Loan mix
84%RE $124.5M14%C&I $21.0M2%Consumer $3.4MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $139.5M26%Noninterest $49.5MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #71 of 114 inst. · $0.1B of $99.1B

49.5% Caldwell
12.9% Gentry
9.1% DeKalb
4.6% Harrison

Executive Summary

  • Earnings: ROA of 2.46%, up 17 bps year over year; NIM at 5.57%.
  • Asset quality: problem loans at 0.16% of loans (+3 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.66%, down 9 bps from a year ago.
  • Funding: loans stand at 87.59% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.46%+17 bps YoY

Net Interest Margin (YTD, annualized)

5.57%+36 bps YoY

Efficiency Ratio (YTD, annualized)

43.99%-55 bps YoY

Tier 1 Leverage Ratio

9.66%-9 bps YoY

NIM

6.38%Q2 ’246.67%Q2 ’256.93%Q2 ’26+4%+7%

Non-interest income vs. expense

2.34%Q2 ’242.45%Q2 ’252.57%Q2 ’26+5%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.21%2.19%2.26%2.29%2.37%2.27%2.21%2.46%+17 bps
Return on Equity23.60%22.89%23.66%24.32%24.66%23.33%23.37%25.86%+155 bps
Net Interest Margin5.00%4.89%5.11%5.21%5.21%5.09%5.17%5.57%+36 bps
Efficiency Ratio44.15%44.83%44.49%44.53%44.44%45.72%46.36%43.99%-55 bps
Non-Interest Burden2.06%2.05%2.13%2.18%2.13%2.16%2.26%2.31%+13 bps
Growth
Asset Growth (YoY)-2.68%-1.06%2.28%4.92%4.71%6.65%4.47%-2.75%-768 bps
Loan Growth (YoY)-0.61%-1.07%-0.19%0.62%5.03%3.72%2.86%-0.41%-103 bps
Deposit Growth (YoY)7.44%4.17%6.88%11.91%4.81%6.68%4.57%-3.63%-1,554 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.07%0.12%0.13%0.07%0.18%0.15%0.16%+3 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.08%0.11%0.08%0.04%-0.03%-11 bps
Allowance / Loans0.99%1.00%1.01%0.98%0.94%0.96%0.98%1.06%+8 bps
Allowance Coverage of NPLs2.4x13.9x8.7x7.5x12.9x5.3x6.4x6.7x-0.8x
Capital
Tier 1 Leverage Ratio10.37%10.73%9.12%9.75%10.29%10.73%8.75%9.66%-9 bps
Total Risk-Based Capital10.37%10.73%9.12%9.75%10.29%10.73%8.75%9.66%-9 bps
Equity / Assets10.21%10.33%8.79%9.11%10.25%10.22%8.69%9.63%+52 bps
Liquidity & Funding
Loans / Deposits90.55%87.25%86.89%84.75%90.74%84.83%85.48%87.59%+283 bps
Liquid Assets / Assets2.77%2.44%5.62%8.24%2.43%5.69%3.20%2.15%-609 bps
CRE / Total Capitaln/an/an/an/a202%188.92%238%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank Northwest

Hamilton, MO · Cert 16601 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Caldwell County Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$210.3MAssets
$165.6MLoans
$189.0MDeposits
$20.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks under $1B in assets in the Kansas City, MO-KS area (rank 2 of 40).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in the Kansas City, MO-KS area (rank 37 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

2.54%

Rank 4 of 40

Net Interest Margin

5.57%

Rank 3 of 40

Efficiency Ratio

44.08%

Rank 5 of 40

Equity / Assets

9.63%

Rank 25 of 40

Non-interest income vs. expense

$0.6M$5.5MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 90% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 44.08%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.54%1.02%1.39%1.86%Beats 90%4 / 40
Return on Equity26.41%10.74%14.78%21.32%Beats 95%2 / 40
Net Interest Margin5.57%3.33%4.05%4.63%Beats 93%3 / 40
Efficiency Ratio44.08%51.70%58.10%69.29%Beats 90%5 / 40
Asset Quality
Nonperforming Loans / Loans0.16%0.05%0.20%1.11%Beats 59%17 / 39
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 38%25 / 39
Capital
Tier 1 Capital Ratio9.66%11.32%12.27%16.94%Beats 8%37 / 40
Total Risk-Based Capital Ratio9.66%11.32%13.09%17.63%Beats 8%37 / 40
Equity / Assets9.63%8.41%10.10%12.34%Beats 38%25 / 40
Liquidity & Funding
Loans / Deposits87.59%73.50%85.60%94.85%57th pctl17 / 40
Loans / Assets78.74%62.75%69.87%79.23%70th pctl12 / 40
Brokered Deposits / Depositsn/aNot reported for this institution