Northwest Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.9% higher than in Q1 2026, at -$9.4M. Within Iowa, Northwest Bank is 98th of 114 on CET1 ratio, 11.19% as of Q2 2026, below the middle of the field. Northwest Bank reported 11.19% on CET1 ratio for Q2 2026, 2.29 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 10.12% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $302.6M |
| Tier 1 capital | $302.6M |
| Total risk-based capital | $336.4M |
| Total equity capital | $295.0M |
| Risk-weighted assets | $2.70B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.78% |
| Equity capital to average assets | 9.86% |
| Internal capital growth rate | -1.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.5M |
| Common stock surplus | $56.1M |
| Retained earnings | $244.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.25% | 10.25% | 11.49% | 8.45% | $2.11B |
| Q4 2023 | 10.28% | 10.28% | 11.53% | 8.39% | $2.13B |
| Q1 2024 | 10.36% | 10.36% | 11.61% | 8.43% | $2.14B |
| Q2 2024 | 11.06% | 11.06% | 12.31% | 8.95% | $2.42B |
| Q3 2024 | 11.39% | 11.39% | 12.64% | 9.24% | $2.39B |
| Q4 2024 | 11.61% | 11.61% | 12.86% | 9.59% | $2.40B |
| Q1 2025 | 11.66% | 11.66% | 12.91% | 9.78% | $2.43B |
| Q2 2025 | 11.45% | 11.45% | 12.70% | 9.97% | $2.54B |
| Q3 2025 | 11.35% | 11.35% | 12.60% | 9.94% | $2.60B |
| Q4 2025 | 11.62% | 11.62% | 12.87% | 10.02% | $2.58B |
| Q1 2026 | 11.60% | 11.60% | 12.85% | 10.28% | $2.62B |
| Q2 2026 | 11.19% | 11.19% | 12.44% | 10.12% | $2.70B |
Northwest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedule RC-R, 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 Northwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32647) · FFIEC NIC profile (RSSD 1387605)