BlastPoint's Banking Scorecard

Northwest Bank

Community Specialty: Commercial IA FDIC cert 32647

Spencer, IA

1484 banks in Community tier nationally 58 in IA

View Community leaderboard (IA) →

Northwest Bank faces 1 concern 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 24% in Community

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Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$3.0B +1.7% YoY -0.7% QoQ	+$1.6B	$1.4B +2.0% YoY	$554.4M +4.9% YoY	$5.9B +6.5% YoY	Top 9% in tier
Total Loans ?	$2.4B +5.7% YoY +0.2% QoQ	+$1.4B	$975.5M +2.4% YoY	$379.4M +5.5% YoY	$3.1B +8.5% YoY	Top 6% in tier
Total Deposits ?	$2.6B +4.1% YoY +3.2% QoQ	+$1.4B	$1.2B +1.7% YoY	$463.0M +4.7% YoY	$4.7B +6.3% YoY	Top 8% in tier
Return on Assets ?	1.03% +73.5% YoY +8.4% QoQ	-0.13%	1.16% +17.2% YoY	1.18% +29.0% YoY	1.12% +15.6% YoY	42%
Net Interest Margin ?	3.29% +25.3% YoY +3.2% QoQ	-0.38%	3.66% +9.1% YoY	3.37% +11.5% YoY	3.75% +7.1% YoY	29%
Efficiency Ratio ?	63.42% -13.6% YoY -2.1% QoQ	+0.78%	62.63% -5.3% YoY	59.86% -8.6% YoY	65.09% -5.1% YoY	46%
Delinquency Rate ?	0.24% -59.5% YoY -29.2% QoQ	-0.39%	0.63% +18.3% YoY	0.57% +48.1% YoY	0.66% +20.3% YoY	67%
Loan-to-Deposit Ratio ?	92.15% +1.6% YoY -2.9% QoQ	+9.09%	83.06% +0.3% YoY	79.50% +1.5% YoY	78.04% +0.7% YoY	70%
Non-Interest-Bearing Deposit Share ?	18.02% -4.7% YoY +3.4% QoQ	-3.02%	21.05% -0.9% YoY	18.11% -1.9% YoY	21.79% -1.3% YoY	39%
Nonperforming Asset Ratio ?	0.22% -51.4% YoY -17.6% QoQ	-0.28%	0.50% +20.3% YoY	0.44% +46.5% YoY	0.48% +20.8% YoY	62%
Tier 1 Capital Ratio ?	11.62% +0.1% YoY +2.4% QoQ	+1.38%	10.24% -0.6% YoY	8.07% -1.4% YoY	9.75% -1.9% YoY	43%
Non-Interest Income / Assets ?	0.82% -11.2% YoY +42.3% QoQ	+0.08%	0.74% -1.3% YoY	0.46% +1.9% YoY	0.65% +0.6% YoY	79%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Liquidity Strain

risk

#124 of 513 · Bottom 24% 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: 92.15%

(Tier: 83.06%, National: 78.04%)

better than tier avg

513 of 513 Community banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.4B · Tier avg: $975.5M

94th pctile

Total Deposits

Current: $2.6B · Tier avg: $1.2B

92th pctile

Total Assets

Current: $3.0B · Tier avg: $1.4B

91th pctile

Non-Interest Income / Assets

Current: 0.82% · Tier avg: 0.74%

79th pctile

Loan-to-Deposit Ratio

Current: 92.15% · Tier avg: 83.06%

70th pctile

Delinquency Rate

Current: 0.24% · Tier avg: 0.63%

67th pctile

Nonperforming Asset Ratio

Current: 0.22% · Tier avg: 0.50%

62th pctile

Efficiency Ratio

Current: 63.42% · Tier avg: 62.63%

46th pctile

Tier 1 Capital Ratio

Current: 11.62% · Tier avg: 10.24%

43th pctile

Return on Assets

Current: 1.03% · Tier avg: 1.16%

42th pctile

Non-Interest-Bearing Deposit Share

Current: 18.02% · Tier avg: 21.05%

39th pctile

Net Interest Margin

Current: 3.29% · Tier avg: 3.66%

29th pctile

Top Weaknesses