Mason City, IA · Cert 8094 · Northwood Finl Services Corp.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.83% | 1.00% | 0.87% | 1.16% | 0.91% | 0.66% | 0.84% | -3 bps | |
| Return on Equity | 11.69% | 11.51% | 13.81% | 11.65% | 14.86% | 11.14% | 8.15% | 10.27% | -138 bps | |
| Net Interest Margin | 2.47% | 2.48% | 2.72% | 2.63% | 2.92% | 2.89% | 2.91% | 2.99% | +36 bps | |
| Efficiency Ratio | 60.22% | 62.51% | 55.61% | 59.71% | 51.26% | 58.55% | 52.28% | 55.91% | -380 bps | |
| Non-Interest Burden | 1.32% | 1.37% | 1.34% | 1.40% | 1.30% | 1.52% | 1.33% | 1.44% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.63% | 5.76% | 8.72% | 4.62% | -1.10% | 1.27% | 1.98% | -2.06% | -668 bps | |
| Loan Growth (YoY) | 13.12% | 8.35% | 7.21% | 4.98% | 1.13% | 3.29% | 2.77% | -1.17% | -615 bps | |
| Deposit Growth (YoY) | 5.84% | 5.21% | 5.77% | 6.49% | -0.14% | 1.05% | 2.42% | -1.14% | -763 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.09% | 0.08% | 0.56% | 0.64% | 0.69% | 0.43% | 0.67% | 0.32% | -32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.03% | -0.01% | 0.06% | 0.21% | 0.67% | 0.60% | -0.01% | -7 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.08% | 1.06% | 1.05% | 0.87% | 0.96% | 1.13% | +7 bps | |
| Allowance Coverage of NPLs | 11.6x | 13.6x | 1.9x | 1.7x | 1.5x | 2.0x | 1.4x | 3.5x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.42% | 8.13% | 8.56% | 8.38% | 8.54% | 8.28% | 8.46% | 8.49% | +10 bps | |
| Total Risk-Based Capital | 11.19% | 11.66% | 11.91% | 11.72% | 12.04% | 11.49% | 11.60% | 12.00% | +28 bps | |
| Equity / Assets | 7.31% | 7.09% | 7.35% | 7.57% | 8.10% | 8.23% | 7.92% | 8.44% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.75% | 84.24% | 81.56% | 83.32% | 82.79% | 86.10% | 81.84% | 83.30% | -2 bps | |
| Liquid Assets / Assets | 0.04% | 0.05% | 0.04% | 0.04% | 0.04% | 0.06% | 0.05% | 0.05% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 287% | 278% | n/a | n/a | |