Northwest Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 16.57% +7.57 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $235.2M | 235,186 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.42B | 1,419,725 | RCOAA224 |
| Recomputed ratio | 16.57% | numerator / denominator | |
| Filed ratio | 16.57% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +7.57 pp | $107.4M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 87,415 | 86,945 | 86,372 | 85,759 | 85,180 | 84,604 | RCOAP742 |
| Retained earnings | 149,121 | 143,722 | 138,675 | 133,396 | 126,693 | 119,874 | RCOAKW00 |
| Accumulated other comprehensive income | (2,488) | (1,961) | (888) | (1,173) | (1,805) | (2,255) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 234,048 | 228,706 | 224,159 | 217,982 | 210,068 | 202,223 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,138 | 641 | (380) | (176) | 441 | 820 | P859 - P840 |
| Common equity Tier 1 capital | 235,186 | 229,347 | 223,779 | 217,806 | 210,509 | 203,043 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 235,186 | 229,347 | 223,779 | 217,806 | 210,509 | 203,043 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 1,419,725 | 1,462,038 | 1,465,414 | 1,452,504 | 1,475,766 | 1,422,745 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 16.57% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 15.69% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 15.27% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 15.00% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 14.26% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 14.27% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 13.79% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 13.79% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 13.20% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 13.71% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 12.23% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 11.83% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Northwest Bank (this bank) | CBLR | NA | NA | NA | 16.57% | |
| Apex Bank | $1.46B | Risk-based | 23.20% | 23.20% | 24.46% | 14.46% |
| Pegasus Bank | $1.46B | Risk-based | 16.40% | 16.40% | 17.51% | 11.41% |
| Ameriserv Financial Bank | $1.46B | CBLR | NA | NA | NA | 9.46% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.47% | 27.47% | 27.91% | 16.76% |
| American State Bank | $1.45B | Risk-based | 11.78% | 11.78% | 13.03% | 10.81% |
| North State Bank | $1.46B | Risk-based | 11.34% | 11.34% | 12.07% | 8.50% |
| Central Bank Illinois | $1.46B | CBLR | NA | NA | NA | 10.39% |
| The Union Bank Company | $1.44B | Risk-based | 15.13% | 15.13% | 16.12% | 10.78% |
| American Riviera Bank | $1.44B | Risk-based | 12.40% | 12.40% | 13.56% | 11.25% |
| Peer 25th percentile | 12.09% | 12.09% | 13.30% | 10.39% | ||
| Peer median | 15.13% | 15.13% | 16.12% | 10.81% | ||
| Peer 75th percentile | 19.80% | 19.80% | 20.99% | 11.41% | ||
| This bank's percentile | NA | NA | NA | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3678857/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.