Northwest Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.07 percentage points higher than in Q1 2026, at 95.08%. Northwest Bank ranks 107th of 225 Iowa banks on return on assets, in the upper half at 1.44% (Q2 2026). Northwest Bank reported 1.44% on return on assets for Q2 2026, 0.16 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.19% |
| Tier 1 risk-based capital ratio | 11.19% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 10.12% |
| Equity capital to assets | 9.83% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 4.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 263.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.44% |
| Return on equity | 14.60% |
| Net interest margin | 3.69% |
| Efficiency ratio | 55.93% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.08% |
| Core deposits to total deposits | 91.80% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 87.45% |
| Securities to assets | 10.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.25% | 10.25% | 11.49% | 8.45% | 0.65% |
| Q4 2023 | 10.28% | 10.28% | 11.53% | 8.39% | 0.36% |
| Q1 2024 | 10.36% | 10.36% | 11.61% | 8.43% | 0.41% |
| Q2 2024 | 11.06% | 11.06% | 12.31% | 8.95% | 0.60% |
| Q3 2024 | 11.39% | 11.39% | 12.64% | 9.24% | 0.55% |
| Q4 2024 | 11.61% | 11.61% | 12.86% | 9.59% | 0.88% |
| Q1 2025 | 11.66% | 11.66% | 12.91% | 9.78% | 0.73% |
| Q2 2025 | 11.45% | 11.45% | 12.70% | 9.97% | 0.98% |
| Q3 2025 | 11.35% | 11.35% | 12.60% | 9.94% | 1.15% |
| Q4 2025 | 11.62% | 11.62% | 12.87% | 10.02% | 1.25% |
| Q1 2026 | 11.60% | 11.60% | 12.85% | 10.28% | 1.26% |
| Q2 2026 | 11.19% | 11.19% | 12.44% | 10.12% | 1.44% |
Northwest Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northwest Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)