BlastPoint's Banking Scorecard
Northwest Bank
Community
Specialty: Commercial
ID
FDIC cert 58752
Boise, ID
1484
banks in Community tier nationally
6 in ID
View Community leaderboard (ID) →
Northwest 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
- - Capital Thin: Bottom 31% in Community
- - Delinquency Rate 3.43% above tier
- - Nonperforming Asset Ratio 1.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+2.6% YoY
+5.2% QoQ
|
+$84.0M |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$863.7M
+4.7% YoY
-3.8% QoQ
|
-$111.8M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$1.1B
+3.7% YoY
+6.3% QoQ
|
-$28.1M |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.68%
-4.4% YoY
-4.7% QoQ
|
+0.52% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.62%
-2.9% YoY
-1.5% QoQ
|
+0.96% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
49.85%
+2.3% YoY
+0.1% QoQ
|
-12.78% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
4.06%
+257.2% YoY
+63.2% QoQ
|
+3.43% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
75.99%
+1.0% YoY
-9.5% QoQ
|
-7.07% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
24.51%
+14.4% YoY
+21.1% QoQ
|
+3.47% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
2.38%
+264.5% YoY
+49.3% QoQ
|
+1.88% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
+3.2% YoY
+17.6% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#134 of 432 · Bottom 31% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.06%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
2.38%
(Tier avg: 0.50%, National avg: 0.48%)
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
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%
84
84th pctile
Efficiency Ratio
Current: 49.85% · Tier avg: 62.63%
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.51% · Tier avg: 21.05%
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Loans
Current: $863.7M · Tier avg: $975.5M
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.99% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.06% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.06% · Tier avg: 0.63%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.38% · Tier avg: 0.50%
12
12th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Loan-to-Deposit Ratio
Current: 75.99% · Tier avg: 83.06%
62
62th pctile
Total Loans
Current: $863.7M · Tier avg: $975.5M
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.51% · Tier avg: 21.05%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
83
83th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 49.85% · Tier avg: 62.63%
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%