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Northwest Bank of Rockford

Rockford, IL · Cert 20666

FDIC · 4 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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 (n=547 to 599). 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

6

Q2 2024Q1 2025peer median (50)

Asset Quality

14

Q2 2024Q1 2025peer median (50)

Profitability

54

Q2 2024Q1 2025peer median (50)

Liquidity

77

Q2 2024Q1 2025peer median

Efficiency

75

Q2 2024Q1 2025peer 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

Northwest Bank of Rockford

Rockford, IL · Cert 20666

FDIC · 4 branches

Q1 2025

$483.4MAssets
$346.7MLoans
$420.9MDeposits
$36.8MEquity
Loan mix
56%RE $161.0M23%C&I $66.0M20%Consumer $58.4MQ2 2023Q1 2025
Deposit mix
76%Interest-bearing $320.6M24%Noninterest $100.3MQ2 2023Q1 2025

Market Position · Rockford, IL · 2024 SOD (annual) · 4.5% share · #8 of 22 inst. · $0.4B of $8.2B

Executive Summary

  • Earnings: ROA of 0.96%, down 25 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 4.13% of loans (+256 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 8.95%, down 46 bps from a year ago.
  • Funding: loans stand at 82.38% of deposits as of Q1 2025.

Return on Assets (YTD, annualized)

0.96%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-46 bps YoY

Efficiency Ratio (YTD, annualized)

60.76%-131 bps YoY

Tier 1 Leverage Ratio

8.95%-46 bps YoY

NIM

4.63%Q1 ’235.42%Q1 ’245.23%Q1 ’25-6%-13%

Non-interest income vs. expense

2.75%Q1 ’232.60%Q1 ’242.32%Q1 ’25+3%-19%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets1.23%1.30%1.33%1.20%1.18%1.25%1.10%0.96%-25 bps
Return on Equity15.67%16.63%17.12%15.66%15.13%15.74%13.85%12.28%-338 bps
Net Interest Margin3.62%3.58%3.39%3.53%3.39%3.38%3.24%3.07%-46 bps
Efficiency Ratio60.84%60.11%58.34%62.07%62.20%60.69%61.07%60.76%-131 bps
Non-Interest Burden1.91%1.82%1.63%1.94%1.86%1.75%1.70%1.57%-37 bps
Growth
Asset Growth (YoY)9.80%6.96%17.25%12.03%12.65%13.08%9.82%12.50%+47 bps
Loan Growth (YoY)23.04%17.24%20.03%15.10%17.39%17.06%13.23%9.12%-598 bps
Deposit Growth (YoY)5.11%3.19%10.15%7.49%11.83%12.40%13.57%14.77%+728 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.57%2.06%1.57%3.62%3.49%3.38%4.13%+256 bps
Net Charge-Offs / Loans0.39%0.25%0.03%0.05%0.04%0.05%0.10%0.06%+1 bps
Allowance / Loans1.46%1.40%1.53%1.50%1.39%1.39%1.51%1.58%+7 bps
Allowance Coverage of NPLs1.6x2.4x0.7x1.0x0.4x0.4x0.4x0.4x-0.6x
Capital
Tier 1 Leverage Ratio9.57%9.73%9.22%9.41%9.39%9.66%9.44%8.95%-46 bps
Total Risk-Based Capital9.57%9.73%9.22%9.41%9.39%9.66%9.44%8.95%-46 bps
Equity / Assets7.87%7.58%7.73%7.66%7.99%8.45%7.99%7.61%-4 bps
Liquidity & Funding
Loans / Deposits85.36%85.57%86.43%86.65%89.60%89.12%86.17%82.38%-426 bps
Liquid Assets / Assets2.62%2.89%4.50%4.03%1.12%2.62%3.79%4.55%+51 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Northwest Bank of Rockford

Rockford, IL · Cert 20666 · Peer group: banks under $1B in assets (n=547-599)

FDIC · 4 branches

Q1 2025

$483.4MAssets
$346.7MLoans
$420.9MDeposits
$36.8MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 75% of banks under $1B in assets (rank 153 of 598).
  • Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets (rank 597 of 598).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.94%

Rank 273 of 599

Net Interest Margin

3.07%

Rank 384 of 598

Efficiency Ratio

60.76%

Rank 153 of 598

Equity / Assets

7.61%

Rank 505 of 598

Non-interest income vs. expense

$3.6M$11.0MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 75% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.94%0.47%0.86%1.38%Beats 54%273 / 599n/a
Return on Equity12.34%4.56%8.90%12.65%Beats 73%160 / 598n/a
Net Interest Margin3.07%2.82%3.31%3.84%Beats 36%384 / 598n/a
Efficiency Ratio60.76%60.53%70.73%82.91%Beats 75%153 / 598n/a
Asset Quality
Nonperforming Loans / Loans4.13%0.06%0.34%0.91%Beats 3%532 / 547n/a
Net Charge-Offs / Loans0.02%n/a0.00%0.02%Beats 25%411 / 547n/a
Capital
Tier 1 Capital Ratio8.95%11.11%13.78%18.22%Beats 1%595 / 598n/a
Total Risk-Based Capital Ratio8.95%11.62%14.42%19.14%Beats 0%597 / 598n/a
Equity / Assets7.61%8.34%10.07%12.96%Beats 16%505 / 598n/a
Liquidity & Funding
Loans / Deposits82.38%60.71%77.02%90.89%59th pctl232 / 561n/a
Loans / Assets71.73%54.47%67.19%77.36%59th pctl223 / 547n/a
Brokered Deposits / Depositsn/aNot reported for this institution