Northwest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Northwest Bank of Warren, PA against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.35% | 1.34% | +0.01% | 52nd above |
| ROAE Behind the peer average, ahead of the median peer. | 11.60% | 12.25% | -0.65% | 53rd above |
| Net Interest Margin | 3.85% | 3.68% | +0.17% | 68th above |
| Efficiency Ratio | 54.53% | 53.86% | +0.67% | 44th below |
| PPNR / Avg Assets | 1.92% | — | — | 55th above |
| Yield on Earning Assets | 5.22% | 5.58% | -0.36% | 40th below |
| Cost of Funds | 1.18% | 1.99% | -0.81% | 90th top |
| Net Interest Spread | 3.36% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 1.09% | -0.40% | 48th below |
| NPA / Total Assets | 0.53% | — | — | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.36% | -0.21% | 46th below |
| ACL / Total Loans | 1.13% | — | — | 48th below |
| ACL / NPLs (Coverage) | 162.44% | — | — | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.99% | 5.43% | -0.44% | 40th below |
| Provision / NCO | 132.61% | — | — | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.79% | 14.50% | -1.71% | 44th below |
| Tier 1 Ratio | 12.79% | 14.60% | -1.81% | 44th below |
| Total Capital Ratio | 14.04% | — | — | 47th below |
| Leverage Ratio | 9.84% | 10.26% | -0.42% | 38th below |
| Equity / Assets | 11.60% | 11.55% | +0.05% | 51st above |
| TCE / Tangible Assets | 9.08% | — | — | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.07% | 83.97% | +8.10% | 27th below |
| Core Deposit Ratio | 95.54% | 86.78% | +8.76% | 80th top |
| Uninsured Deposit Ratio | 27.43% | 38.93% | -11.50% | 78th top |
| Wholesale Funding Ratio | 3.56% | — | — | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.71% | — | — | 82nd top |
| Loan Growth (Y/Y) | 16.64% | — | — | 77th top |
| Deposit Growth (Y/Y) | 15.04% | — | — | 77th top |
See Northwest Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Northwest Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Northwest Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Northwest Bank peer analysis.