Northwest Bank
Spencer, IA · Cert 32647 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Northwest Financial Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
$3.0BAssets
$2.5BLoans
$2.6BDeposits
$295.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of banks $1B-$10B in assets operating regionally (rank 30 of 176).
- Widest gap: tier 1 capital ratio trails 73% of banks $1B-$10B in assets operating regionally (rank 129 of 176).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.34%
Rank 73 of 176
Net Interest Margin
3.40%
Rank 107 of 176
Efficiency Ratio
57.90%
Rank 75 of 176
Equity / Assets
9.83%
Rank 109 of 176
Non-interest income vs. expense
Unfavorable gap of $47.4M · efficiency ratio beats 58% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.93% | 1.26% | 1.54% | Beats 59% | 73 / 176 | |
| Return on Equity | 13.62% | 9.26% | 11.89% | 14.46% | Beats 66% | 59 / 176 | |
| Net Interest Margin | 3.40% | 3.25% | 3.59% | 3.93% | Beats 39% | 107 / 176 | |
| Efficiency Ratio | 57.90% | 52.79% | 59.55% | 67.66% | Beats 58% | 75 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.30% | 0.64% | 1.32% | Beats 84% | 30 / 176 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 62% | 67 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 11.15% | 12.72% | 14.15% | Beats 27% | 129 / 176 | |
| Total Risk-Based Capital Ratio | 12.44% | 11.81% | 13.63% | 15.33% | Beats 32% | 119 / 176 | |
| Equity / Assets | 9.83% | 9.16% | 10.35% | 11.80% | Beats 38% | 109 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 95.08% | 80.94% | 89.73% | 97.21% | 69th pctl | 54 / 176 | |
| Loans / Assets | 83.15% | 69.25% | 75.12% | 80.82% | 87th pctl | 23 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |