Northwest Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 120.0% higher than in Q1 2026, at $49.5M. Northwest Bank ranks 48th of 225 Iowa banks on loan-to-deposit ratio, in the upper half at 95.08% (Q2 2026). Northwest Bank reported 95.08% on loan-to-deposit ratio for Q2 2026, 6.88 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $64.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $384.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $49.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.65% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.08% |
| Net loans and leases to deposits | 93.89% |
| Loans and leases to core deposits | 103.57% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 0.08% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 99.87% | 88.39% | $84.1M | $303.9M |
| Q4 2023 | 98.95% | 88.44% | $44.1M | $324.9M |
| Q1 2024 | 95.86% | 88.91% | $29.8M | $217.3M |
| Q2 2024 | 92.39% | 89.78% | $12.2M | $177.1M |
| Q3 2024 | 90.95% | 90.58% | $2.1M | $123.5M |
| Q4 2024 | 91.90% | 92.24% | $0 | $116.0M |
| Q1 2025 | 90.21% | 92.37% | $0 | $71.0M |
| Q2 2025 | 95.58% | 92.16% | $0 | $156.0M |
| Q3 2025 | 96.15% | 90.90% | $0 | $140.0M |
| Q4 2025 | 93.33% | 92.01% | $0 | $32.5M |
| Q1 2026 | 93.01% | 91.99% | $0 | $22.5M |
| Q2 2026 | 95.08% | 91.80% | $0 | $49.5M |
Northwest Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedules RC and RC-M, 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)