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 Loans and leases to core deposits: 2.91 percentage points lower than in Q1 2026, at 83.64%. Among 10 Idaho banks, Northwest Bank sits 3rd from the top on loan-to-deposit ratio, 78.43% as of Q2 2026. Northwest Bank reported 78.43% on loan-to-deposit ratio for Q2 2026, 9.77 points below 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 | $303.9M |
| Cash and noninterest-bearing balances to assets | 20.90% |
| Cash and securities | $573.5M |
| 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 | $100.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.89% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.43% |
| Net loans and leases to deposits | 77.25% |
| Loans and leases to core deposits | 83.64% |
| Core deposits to total deposits | 82.22% |
| Brokered deposits to total deposits | 11.54% |
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 | 65.38% | 84.85% | $0 | $98.8M |
| Q4 2023 | 73.26% | 83.40% | $0 | $138.7M |
| Q1 2024 | 69.43% | 81.29% | $0 | $98.6M |
| Q2 2024 | 76.16% | 76.45% | $0 | $88.5M |
| Q3 2024 | 77.92% | 75.73% | $0 | $128.4M |
| Q4 2024 | 76.54% | 74.74% | $0 | $128.4M |
| Q1 2025 | 79.86% | 72.37% | $0 | $118.9M |
| Q2 2025 | 81.59% | 73.50% | $0 | $118.8M |
| Q3 2025 | 85.45% | 73.51% | $0 | $100.2M |
| Q4 2025 | 77.32% | 78.56% | $0 | $100.1M |
| Q1 2026 | 80.74% | 82.00% | $0 | $100.1M |
| Q2 2026 | 78.43% | 82.22% | $0 | $100.1M |
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 58752) · FFIEC NIC profile (RSSD 3678857)