BlastPoint's Banking Scorecard
Bank Northwest
Micro
Specialty: Agricultural
MO
FDIC cert 16601
Designations: ✓ Community bank
Hamilton, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank Northwest shows strong momentum with 3 strengths and 6.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.80% above tier
- + Net Interest Margin 1.57% above tier
- + Efficiency Ratio 22.01% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.6M
+6.6% YoY
+6.0% QoQ
|
+$5.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$167.5M
+3.8% YoY
-0.8% QoQ
|
+$28.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$199.3M
+6.7% YoY
+6.1% QoQ
|
+$15.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
2.88%
+4.0% YoY
-4.5% QoQ
|
+1.80% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.43%
+3.6% YoY
-1.9% QoQ
|
+1.57% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
45.72%
+2.0% YoY
+2.9% QoQ
|
-22.01% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.18%
+151.2% YoY
+148.0% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
84.01%
-2.7% YoY
-6.5% QoQ
|
+9.49% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
26.26%
-4.8% YoY
+6.8% QoQ
|
+3.87% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.14%
+144.4% YoY
+132.1% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.32%
+14.7% YoY
+21.4% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.88%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.43%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.72%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Return on Assets
Current: 2.88% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.85%
94
94th pctile
Efficiency Ratio
Current: 45.72% · Tier avg: 67.73%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.26% · Tier avg: 22.39%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.01% · Tier avg: 74.53%
66
66th pctile
Total Loans
Current: $167.5M · Tier avg: $139.2M
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
59
59th pctile
Total Deposits
Current: $199.3M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $222.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
Top Weaknesses
43
43th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Assets
Current: $222.6M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $199.3M · Tier avg: $183.7M
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
66
66th pctile
Total Loans
Current: $167.5M · Tier avg: $139.2M
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.01% · Tier avg: 74.53%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.26% · Tier avg: 22.39%
94
94th pctile
Efficiency Ratio
Current: 45.72% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.88% · Tier avg: 1.08%