Bank Comparison
American State Bank vs Northwest Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 8
winning metrics across 21 comparable rows
Capital adequacy
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| CET1 Ratio | 11.73% | — |
| Tier 1 Capital Ratio | 11.73% | — |
| Total Capital Ratio | 12.96% | — |
| Tier 1 Leverage Ratio | 10.63% | 15.69% |
| Equity / Assets | 10.76% | 15.65% |
Profitability
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 1.38% |
| Return on Equity (ROE) | 12.93% | 8.92% |
| Net Interest Margin (NIM) | 3.34% | 4.43% |
| Yield on Earning Assets | 5.78% | 6.70% |
| Cost of Funds | 2.59% | 2.67% |
Asset quality
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| Texas Ratio | 7.59% | 13.73% |
| Non-Performing Loan Ratio | 0.85% | 3.69% |
| Non-Performing Asset Ratio | 0.79% | 2.28% |
| Net Charge-Off Ratio | 0.07% | 0.94% |
| ACL / Loans | 1.17% | 1.66% |
Balance sheet
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| Total Assets | $1,458M | $1,461M |
| Total Deposits | $1,244M | $1,120M |
| Total Loans | $1,361M | $904,589K |
| Total Equity | $157,000K | $228,706K |
| Net Income (quarter) | $5,086K | $5,047K |
Liquidity & funding
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 109.38% | 80.74% |
| Core Deposit Ratio | 91.06% | 93.28% |
| Uninsured Deposit Ratio | 37.37% | 41.69% |
Identity
| Metric | American State Bank | Northwest Bank |
|---|---|---|
| Headquarters City | SIOUX CENTER | BOISE |
| Headquarters State | IA | ID |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 11 | 6 |
| Employees (FTE) | 132 | 129 |
| Established | Sept. 1, 1913, midnight | March 31, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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