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.
Reserve coverage of non-performing loans dropped 5.65 percentage points in Q2 2026, from 45.08% to 39.43%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, Northwest Bank is 5th of 10 on return on assets, 1.52% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Northwest Bank sits 0.25 points higher, at 1.52% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.57% |
| Equity capital to assets | 16.10% |
| Tangible equity to tangible assets | 16.06% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.79% |
| Non-performing assets ratio | 2.25% |
| Net charge-off ratio | 0.78% |
| Texas ratio | 11.84% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 39.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 9.33% |
| Net interest margin | 4.50% |
| Efficiency ratio | 57.53% |
| Yield on earning assets | 6.65% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.43% |
| Core deposits to total deposits | 82.22% |
| Brokered deposits to total deposits | 11.54% |
| Deposits to assets | 75.71% |
| Securities to assets | 18.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.83% | 1.65% | 4.30% | 0.44% | 0.29% |
| Q4 2023 | 12.23% | 1.76% | 4.44% | 0.39% | 0.21% |
| Q1 2024 | 13.71% | 1.80% | 4.79% | 1.43% | -0.02% |
| Q2 2024 | 13.20% | 1.58% | 4.64% | 1.34% | -0.15% |
| Q3 2024 | 13.79% | 2.00% | 4.85% | 1.12% | -0.16% |
| Q4 2024 | 13.79% | 1.75% | 4.57% | 1.12% | 0.04% |
| Q1 2025 | 14.27% | 1.59% | 4.54% | 1.53% | 0.88% |
| Q2 2025 | 14.26% | 1.85% | 4.65% | 2.17% | -0.03% |
| Q3 2025 | 15.00% | 1.84% | 4.62% | 2.44% | -0.24% |
| Q4 2025 | 15.27% | 1.44% | 4.32% | 3.99% | 1.08% |
| Q1 2026 | 15.69% | 1.38% | 4.43% | 3.69% | 0.94% |
| Q2 2026 | 16.57% | 1.52% | 4.50% | 3.79% | 0.78% |
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 58752) · FFIEC NIC profile (RSSD 3678857)