Northwest Bank (Boise, ID)
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Data as of · sourced from FFIEC call reports. How we update
Northwest Bank is an FDIC-insured commercial bank headquartered in Boise, ID, established in 2008 (FDIC certificate 58752), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.45B, down 1.2% from Q2 2025, the 3rd largest of 10 banks headquartered in Idaho. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58752
- Headquarters
- Boise, ID
- Established
- 2008
- Total assets, Q2 2026
- $1.45B
- Assets vs Q2 2025
- -1.2%
- Tier 1 leverage ratio, Q2 2026
- 16.57%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 123206956
- Holding company
- WESTERN CAPITAL CORPORATION
- Asset rank in state
- 3rd of 10 in Idaho
Problem loans are rising at Northwest Bank. The Boise, Idaho bank had $1.5 billion in assets at June 30, 2026, down 1.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.38% of loans from 2.02% a year earlier. It funds 16.57% of its assets with Tier 1 capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also shrank its loan book 6.2% over the year, lower than about 9 in 10 banks its size (median 5.9%).
The non-owner-occupied commercial real estate book ($284 million) is worsening: 9.13% of it is past due or on nonaccrual, up from 4.89% a year earlier. Net income for the quarter slipped 21% from a year earlier, to $5.4 million. Credit is the area to watch: it carries problem assets equal to 11.8% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Northwest Bank reported a return on assets of 1.52%, a nonperforming-loan ratio of 3.79% and a Texas ratio of 11.84%. The figures come from its call report filed with the FFIEC.
Of the 10 banks headquartered in Idaho, Northwest Bank is the 3rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $1.45B, loans fell 4.6% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 37.9% of total loans, followed by non-owner-occupied commercial real estate loans at 32.9%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities across 4 states; its Lake Oswego 2 offices book 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Northwest Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1750 W Front St, Boise, ID 83702
- County
- Ada
- Metro Area
- Boise City, ID
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 31, 2008
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 132
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $3.8M
- Average total assets
- $1.42B
- Average total loans
- $882.8M
- Average interest-bearing deposits
- $820.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 31, 2008
- FDIC Cert
- 58752
- Fed RSSD
- 3678857
- Website
- northwest-bank.com →
- Parent Holding Company
- WESTERN CAPITAL CORPORATION (RSSD 3678839)
- Ultimate Parent
- GWY, LLC (RSSD 3683619)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Northwest Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Northwest Bank's total assets moved between a low of $1.32B (Q4 2023) and a high of $1.50B (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.45B total assets against $1.47B; $1.22B total liabilities against $1.26B.
$850.3M net loans and leases against $904.9M; $1.10B total deposits against $1.13B.
$269.6M securities against $296.7M; $303.9M cash and balances due against $234.9M.
$23.5M total interest income against $26.9M; $7.6M total interest expense against $9.9M.
$15.9M net interest income against $17.0M.
$1.2M total noninterest income against $741K; $9.8M total noninterest expense against $8.7M.
$50K provision for credit losses against $254K.
$5.4M net income against $6.8M.
1.52% return on assets against 1.85%; 4.50% net interest margin against 4.65%.
16.57% tier 1 leverage ratio against 14.26%.
Inside the full Northwest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Northwest Bank rankings
Its closest position to the top of a national ranking is 487 of 3,640, for Texas Ratio; its furthest is 1,554 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q1 2026) to 2.00% (Q3 2024) and its net interest margin ran from 4.32% (Q4 2025) to 4.85% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.57% | 1.52% | 3.79% | 11.84% | 4.50% |
| Q1 2026 | 15.69% | 1.38% | 3.69% | 13.34% | 4.43% |
| Q4 2025 | 15.27% | 1.44% | 3.99% | 14.38% | 4.32% |
| Q3 2025 | 15.00% | 1.84% | 2.44% | 8.85% | 4.62% |
| Q2 2025 | 14.26% | 1.85% | 2.20% | 8.27% | 4.65% |
| Q1 2025 | 14.27% | 1.59% | 1.53% | 5.77% | 4.54% |
| Q4 2024 | 13.79% | 1.75% | 1.12% | 3.72% | 4.57% |
| Q3 2024 | 13.79% | 2.00% | 1.12% | 3.87% | 4.85% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Lake Oswego Branch | Lake Oswego , OR | 97035 | $380.1M |
| Seattle Branch | Seattle , WA | 98101 | $334.1M |
| Northwest Bank (main office) | Boise , ID | 83702 | $313.1M |
| Coeur D' Alene | Coeur D Alene , ID | 83814 | $47.3M |
| Salt Lake City Branch | Cottonwood Heights , UT | 84047 | $26.0M |
| Mobile Branch | Lake Oswego , OR | 97035 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2015 | Structure Change | Acquired Regal Financial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2012 | Structure Change | Acquired Northwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in ID, rank 18 of 29 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 23 loans, $18.4M approved, $801K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Northwest Bank
What are Northwest Bank's total assets?
As of the Q2 2026 filing, Northwest Bank reported total assets of $1.45 billion in its FFIEC call report.
Where is Northwest Bank headquartered?
It is headquartered in Boise, ID, United States.
When was Northwest Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Northwest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northwest Bank?
Northwest Bank's primary federal regulator is the FDIC.
How many branches does Northwest Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northwest Bank's Texas Ratio?
Its Texas Ratio is 11.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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