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 Spencer, IA against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.44% | 1.46% | -0.02% | 62nd above |
| ROAE | 14.60% | 12.71% | +1.89% | 68th above |
| Net Interest Margin | 3.69% | 3.85% | -0.16% | 49th below |
| Efficiency Ratio | 55.93% | 57.41% | -1.48% | 58th above |
| PPNR / Avg Assets | 1.94% | 1.88% | +0.06% | 64th above |
| Yield on Earning Assets | 5.45% | 5.72% | -0.27% | 44th below |
| Cost of Funds | 1.89% | 2.02% | -0.13% | 57th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.16% | 3.18% | -0.02% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 1.00% | -0.53% | 60th above |
| NPA / Total Assets | 0.40% | 0.76% | -0.36% | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.31% | -0.06% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 263.53% | 543.68% | -280.15% | 65th above |
| Texas Ratio | 4.00% | 7.39% | -3.39% | 56th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 214.29% | 619.16% | -404.87% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.19% | 17.35% | -6.16% | 13th bottom |
| Tier 1 Ratio | 11.19% | 17.38% | -6.19% | 13th bottom |
| Total Capital Ratio | 12.44% | 18.43% | -5.99% | 15th bottom |
| Leverage Ratio | 10.12% | 11.44% | -1.32% | 40th below |
| Equity / Assets | 9.83% | 11.34% | -1.51% | 39th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.78% | 10.50% | -0.72% | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.08% | 86.94% | +8.14% | 30th below |
| Core Deposit Ratio | 91.80% | 85.55% | +6.25% | 67th above |
| Uninsured Deposit Ratio | 28.80% | 33.13% | -4.33% | 58th above |
| Wholesale Funding Ratio | 1.65% | 5.71% | -4.06% | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.56% | 9.69% | -8.13% | 25th below |
| Loan Growth (Y/Y) | 4.95% | 8.06% | -3.11% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.51% | 7.87% | -2.36% | 55th above |
See Northwest Bank's peers by name
The 931 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.