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
Unfavorable gap of $7.5M · efficiency ratio beats 75% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.47% | 0.86% | 1.38% | Beats 54% | 273 / 599 | n/a | |
| Return on Equity | 12.34% | 4.56% | 8.90% | 12.65% | Beats 73% | 160 / 598 | n/a | |
| Net Interest Margin | 3.07% | 2.82% | 3.31% | 3.84% | Beats 36% | 384 / 598 | n/a | |
| Efficiency Ratio | 60.76% | 60.53% | 70.73% | 82.91% | Beats 75% | 153 / 598 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.13% | 0.06% | 0.34% | 0.91% | Beats 3% | 532 / 547 | n/a | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.02% | Beats 25% | 411 / 547 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 8.95% | 11.11% | 13.78% | 18.22% | Beats 1% | 595 / 598 | n/a | |
| Total Risk-Based Capital Ratio | 8.95% | 11.62% | 14.42% | 19.14% | Beats 0% | 597 / 598 | n/a | |
| Equity / Assets | 7.61% | 8.34% | 10.07% | 12.96% | Beats 16% | 505 / 598 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 82.38% | 60.71% | 77.02% | 90.89% | 59th pctl | 232 / 561 | n/a | |
| Loans / Assets | 71.73% | 54.47% | 67.19% | 77.36% | 59th pctl | 223 / 547 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |