Bank Comparison
Northwest Community Bank vs Iowa State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| CET1 Ratio | 12.12% | — |
| Tier 1 Capital Ratio | 12.12% | — |
| Total Capital Ratio | 13.27% | — |
| Tier 1 Leverage Ratio | 8.70% | 11.38% |
| Equity / Assets | 6.88% | 10.47% |
Profitability
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.48% | 1.46% |
| Return on Equity (ROE) | 7.05% | 14.44% |
| Net Interest Margin (NIM) | 2.92% | 3.52% |
| Yield on Earning Assets | 4.67% | 5.70% |
| Cost of Funds | 1.87% | 2.37% |
Asset quality
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| Texas Ratio | 6.32% | 1.70% |
| Non-Performing Loan Ratio | 0.59% | 0.08% |
| Non-Performing Asset Ratio | 0.48% | 0.06% |
| Net Charge-Off Ratio | 0.01% | -0.13% |
| ACL / Loans | 0.93% | 1.20% |
Balance sheet
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| Total Assets | $1,234M | $1,234M |
| Total Deposits | $1,064M | $894,826K |
| Total Loans | $1,005M | $876,554K |
| Total Equity | $84,972K | $129,320K |
| Net Income (quarter) | $1,485K | $4,664K |
Liquidity & funding
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.47% | 97.96% |
| Core Deposit Ratio | 93.16% | 84.18% |
| Uninsured Deposit Ratio | 26.49% | 23.49% |
Identity
| Metric | Northwest Community Bank | Iowa State Bank |
|---|---|---|
| Headquarters City | WINSTED | HULL |
| Headquarters State | CT | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 15 | 14 |
| Employees (FTE) | 165 | 109 |
| Established | July 15, 1875, midnight | Jan. 1, 1879, 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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