Bank Northwest: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 10.62 percentage points in Q2 2026, from 54.77% to 65.39%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Bank Northwest is 82nd of 191 on loan-to-deposit ratio, 87.59% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bank Northwest sits 7.03 points higher, at 87.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $165.6M |
| Net loans and leases | $163.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.74% |
| Loan-to-deposit ratio | 87.59% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.80% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 12.19% |
| Consumer | 2.36% |
| Credit cards | 0.00% |
| Farm | 33.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.39% |
| Construction concentration (Tier 1 capital + allowance) | 31.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.27% |
| Interest income on loans | $3.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $163.3M | $166.8M | 24.31% | 9.34% | 2.56% |
| Q4 2023 | $164.8M | $179.4M | 24.56% | 9.49% | 2.39% |
| Q1 2024 | $166.2M | $178.6M | 24.14% | 9.98% | 2.35% |
| Q2 2024 | $165.2M | $175.3M | 23.46% | 10.82% | 2.43% |
| Q3 2024 | $162.3M | $179.2M | 21.22% | 11.65% | 2.26% |
| Q4 2024 | $163.0M | $186.9M | 20.95% | 11.57% | 2.18% |
| Q1 2025 | $165.9M | $190.9M | 20.50% | 10.40% | 2.16% |
| Q2 2025 | $166.3M | $196.2M | 21.14% | 11.44% | 2.39% |
| Q3 2025 | $170.4M | $187.8M | 20.97% | 11.86% | 2.25% |
| Q4 2025 | $169.1M | $199.3M | 21.50% | 12.85% | 2.27% |
| Q1 2026 | $170.6M | $199.6M | 22.36% | 12.30% | 2.00% |
| Q2 2026 | $165.6M | $189.0M | 22.80% | 12.19% | 2.36% |
Bank Northwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank Northwest, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank Northwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16601) · FFIEC NIC profile (RSSD 645157)