BlastPoint's Banking Scorecard
Northwest Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 28178
Warren, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Northwest Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.8B
+16.0% YoY
+2.3% QoQ
|
+$6.3B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$12.9B
+15.6% YoY
+0.6% QoQ
|
+$5.7B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$14.2B
+13.8% YoY
+1.6% QoQ
|
+$5.6B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.92%
+17.5% YoY
+12.7% QoQ
|
-0.24% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.88%
+9.2% YoY
+0.6% QoQ
|
+0.49% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
63.71%
-0.5% YoY
-2.1% QoQ
|
+7.10% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.84%
+19.5% YoY
-16.8% QoQ
|
+0.15% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
90.94%
+1.6% YoY
-1.1% QoQ
|
+5.47% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
+4.1% YoY
-0.1% QoQ
|
+1.85% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.64%
+19.1% YoY
-18.3% QoQ
|
+0.15% |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.75%
+1.0% YoY
+1.4% QoQ
|
-0.80% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.74%
-12.0% YoY
+37.8% QoQ
|
-0.22% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
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
88
88th pctile
Total Loans
Current: $12.9B · Tier avg: $7.1B
87
87th pctile
Total Deposits
Current: $14.2B · Tier avg: $8.5B
85
85th pctile
Total Assets
Current: $16.8B · Tier avg: $10.5B
72
72th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.40%
65
65th pctile
Loan-to-Deposit Ratio
Current: 90.94% · Tier avg: 85.47%
59
59th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.96%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 20.64%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.55%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
32
32th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.68%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
27
27th pctile
Efficiency Ratio
Current: 63.71% · Tier avg: 56.60%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 63.71% · Tier avg: 56.60%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.68%
32
32th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.16%
44
44th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 13.55%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 20.64%
59
59th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.96%
65
65th pctile
Loan-to-Deposit Ratio
Current: 90.94% · Tier avg: 85.47%
72
72th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.40%
85
85th pctile
Total Assets
Current: $16.8B · Tier avg: $10.5B
87
87th pctile
Total Deposits
Current: $14.2B · Tier avg: $8.5B
88
88th pctile
Total Loans
Current: $12.9B · Tier avg: $7.1B