Northwest Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 105.7% higher than in Q1 2026, at $15.6M. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.49B |
| Net loans and leases | $2.46B |
| Loans held for sale | $15.6M |
| Loans to total assets | 83.15% |
| Loan-to-deposit ratio | 95.08% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.66% |
| Multifamily (5+ residential) | 5.33% |
| Commercial and industrial | 13.59% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 8.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.79% |
| Construction concentration (Tier 1 capital + allowance) | 49.96% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $36.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.95B | $1.96B | 27.83% | 15.59% | 1.96% |
| Q4 2023 | $1.99B | $2.01B | 27.98% | 13.84% | 1.76% |
| Q1 2024 | $1.99B | $2.07B | 27.98% | 13.50% | 1.73% |
| Q2 2024 | $2.28B | $2.47B | 25.66% | 12.67% | 1.81% |
| Q3 2024 | $2.27B | $2.50B | 26.46% | 12.29% | 1.72% |
| Q4 2024 | $2.29B | $2.49B | 26.51% | 11.31% | 1.64% |
| Q1 2025 | $2.29B | $2.54B | 26.27% | 11.67% | 1.58% |
| Q2 2025 | $2.38B | $2.49B | 25.96% | 11.87% | 1.48% |
| Q3 2025 | $2.42B | $2.51B | 25.70% | 12.01% | 1.41% |
| Q4 2025 | $2.42B | $2.59B | 25.98% | 12.64% | 1.37% |
| Q1 2026 | $2.43B | $2.61B | 26.25% | 12.94% | 1.31% |
| Q2 2026 | $2.49B | $2.62B | 25.66% | 13.59% | 1.27% |
Northwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedule RC-C, 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)