NORTHWEST BANK

SPENCER, IA | Large | Est. Dec. 30, 1988, midnight | FDIC #32647 | RSSD #1387605 | FDIC
Latest Report: 2025-12-31

NORTHWEST BANK is aln large FDIC-insured commercial bank headquartered in SPENCER, IA, established in Dec. 30, 1988, midnight. As of 2025-12-31, the bank reported total assets of $3.0B and total deposits of $2.6B. Profitability stands at 1.26% ROA and 13.00% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 11.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.72%. FDIC Certificate #32647.

Assets

$3.0B

Deposits

$2.6B

Loans

$2.4B

Equity

$292M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 13.00%
Net Interest Margin (NIM) 3.62%
Yield on Assets 5.62%
Cost of Funds 4.01%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.72%
NPA Ratio 0.19%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 11.62%
Tier 1 Capital 11.62%
Total Capital Ratio 12.87%
Leverage Ratio 10.02%
Loan-to-Deposit 93.33%

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