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Northwest Bank

Boise, ID · Cert 58752 · Gwy LLC

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

85

Q2 2024Q2 2026peer median (50)

Asset Quality

5

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

59

Q2 2024Q2 2026peer median

Efficiency

65

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

Northwest Bank

Boise, ID · Cert 58752 · Gwy LLC

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.5BAssets
$863.2MLoans
$1.1BDeposits
$234.0MEquity
Loan mix
62%RE $561.0M38%C&I $341.4M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $853.8M22%Noninterest $246.8MQ2 2025Q2 2026

NIM

7.14%Q2 ’247.06%Q2 ’256.71%Q2 ’26-1%+1%

Non-interest income vs. expense

2.38%Q2 ’242.31%Q2 ’252.67%Q2 ’26-3%+11%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.6% share · #14 of 26 inst. · $0.4B of $65.4B

3.9% Clackamas
0.3% King
2.0% Ada
0.9% Kootenai

Executive Summary

  • Earnings: ROA of 1.43%, down 27 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 3.79% of loans (+159 bps YoY), with net charge-offs at 0.89%.
  • Capital: tier 1 leverage ratio of 16.57%, up 230 bps from a year ago.
  • Funding: loans stand at 78.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.43%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+2 bps YoY

Efficiency Ratio (YTD, annualized)

55.10%+579 bps YoY

Tier 1 Leverage Ratio

16.57%+230 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.76%1.68%1.37%1.43%-27 bps
Return on Equity12.33%12.39%11.65%8.92%9.12%-320 bps
Net Interest Margin4.47%4.55%4.46%4.39%4.50%+2 bps
Efficiency Ratio49.31%49.82%49.85%52.72%55.10%+579 bps
Non-Interest Burden2.09%2.15%2.12%2.14%2.32%+22 bps
Growth
Asset Growth (YoY)9.08%-2.05%2.59%-2.27%-1.16%-1,024 bps
Loan Growth (YoY)13.65%6.93%4.73%-2.20%-6.19%-1,984 bps
Deposit Growth (YoY)6.08%-2.50%3.67%-3.26%-2.40%-848 bps
Asset Quality
Nonperforming Loans / Loans2.20%2.44%3.99%3.69%3.79%+159 bps
Net Charge-Offs / Loans0.40%0.19%0.42%0.93%0.89%+49 bps
Allowance / Loans1.65%1.74%1.71%1.66%1.49%-16 bps
Allowance Coverage of NPLs0.8x0.7x0.4x0.5x0.4x-0.4x
Capital
Tier 1 Leverage Ratio14.26%15.00%15.27%15.69%16.57%+230 bps
Total Risk-Based Capital14.26%15.00%15.27%15.69%16.57%+230 bps
Equity / Assets14.28%15.54%15.19%15.65%16.10%+182 bps
Liquidity & Funding
Loans / Deposits81.59%85.45%77.32%80.74%78.43%-317 bps
Liquid Assets / Assets29.21%25.49%31.49%24.41%23.20%-601 bps
CRE / Total Capitaln/a253%232%243%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

Northwest Bank

Boise, ID · Cert 58752 · Peer group: banks $1B-$10B in assets (n=322-328) · Gwy LLC

State charter, non-member · FDIC · 6 branches

Q2 2026

$1.5BAssets
$863.2MLoans
$1.1BDeposits
$234.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 96% of banks $1B-$10B in assets (rank 14 of 328).
  • Widest gap: nonperforming loans / loans trails 98% of banks $1B-$10B in assets (rank 318 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.44%

Rank 98 of 328

Net Interest Margin

4.50%

Rank 27 of 328

Efficiency Ratio

55.10%

Rank 117 of 328

Equity / Assets

16.10%

Rank 14 of 328

Non-interest income vs. expense

$5.0M$37.9MINCOMEEXPENSE
Unfavorable gap of $32.9M · efficiency ratio beats 65% of banks $1B-$10B in assets
Bank 55.10%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.44%0.91%1.22%1.52%Beats 70%98 / 328
Return on Equity8.93%8.43%11.45%14.43%Beats 29%234 / 328
Net Interest Margin4.50%3.03%3.45%3.83%Beats 92%27 / 328
Efficiency Ratio55.10%51.61%59.56%67.53%Beats 65%117 / 328
Asset Quality
Nonperforming Loans / Loans3.79%0.24%0.51%1.03%Beats 2%318 / 322
Net Charge-Offs / Loans0.45%0.01%0.03%0.10%Beats 7%300 / 322
Capital
Tier 1 Capital Ratio16.57%11.75%13.15%15.47%Beats 82%58 / 328
Total Risk-Based Capital Ratio16.57%12.63%14.15%16.46%Beats 77%77 / 328
Equity / Assets16.10%9.15%10.33%12.01%Beats 96%14 / 328
Liquidity & Funding
Loans / Deposits78.43%76.63%87.92%95.36%28th pctl233 / 323
Loans / Assets59.38%65.18%74.15%79.98%17th pctl273 / 328
Brokered Deposits / Depositsn/aNot reported for this institution