BlastPoint's Banking Scorecard
Northwest Community Bank
Community
Specialty: Commercial
CT
FDIC cert 18229
Winsted, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Northwest Community Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50% in Community
- - Efficiency Drag: Bottom 58% in Community
- - Return on Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.3% YoY
+2.1% QoQ
|
-$187.2M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$976.5M
+7.0% YoY
+2.4% QoQ
|
+$1.0M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.0B
-1.5% YoY
-3.1% QoQ
|
-$161.6M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.45%
+143.4% YoY
+10.5% QoQ
|
-0.72% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.92%
+18.7% YoY
+2.0% QoQ
|
-0.75% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
82.60%
-9.5% YoY
-1.6% QoQ
|
+19.97% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.51%
-7.2% YoY
-10.6% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
97.36%
+8.6% YoY
+5.7% QoQ
|
+14.30% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
18.86%
-2.6% YoY
-0.9% QoQ
|
-2.18% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.41%
-4.7% YoY
-10.4% QoQ
|
-0.09% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.25%
-3.1% YoY
-1.5% QoQ
|
+2.00% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.37%
+4.9% YoY
+40.2% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#256 of 513 · Bottom 50% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.36%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#89 of 152 · Bottom 58% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.60%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 10%
in Community
Why this stands out
Current:
0.45%
(Tier avg: 1.16%, National avg: 1.12%)
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
67
67th pctile
Total Loans
Current: $976.5M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 21.05%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.36% · Tier avg: 83.06%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.60% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.60% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.66%
18
18th pctile
Loan-to-Deposit Ratio
Current: 97.36% · Tier avg: 83.06%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 21.05%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
50
50th pctile
Tier 1 Capital Ratio
Current: 12.25% · Tier avg: 10.24%
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $976.5M · Tier avg: $975.5M