| Metric | Bank Northwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.8% | +4.4% | -7.1 pts |
| Deposit growth (YoY) | -3.6% | +4.0% | -7.6 pts |
| Loan growth (YoY) | -0.5% | +5.6% | -6.1 pts |
| ROA | 3.14% | 1.24% | +1.9 pts |
| ROE | 33.0% | 11.9% | +21.1 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.3M | $189.0M | $163.8M | $20.3M | $3.4M | 3.14% | 5.85% | 0.13% |
| Q1 2026 | $219.1M | $199.6M | $169.0M | $19.1M | $1.6M | 2.81% | 5.51% | 0.13% |
| Q4 2025 | $222.6M | $199.3M | $167.5M | $22.8M | $6.1M | 2.88% | 5.43% | 0.14% |
| Q3 2025 | $210.1M | $187.8M | $168.9M | $21.5M | $4.8M | 3.02% | 5.53% | 0.06% |
| Q2 2025 | $216.3M | $196.2M | $164.6M | $19.7M | $3.1M | 2.91% | 5.41% | 0.18% |
| Q1 2025 | $209.7M | $190.9M | $164.2M | $18.4M | $1.5M | 2.87% | 5.40% | 0.09% |
| Q4 2024 | $208.7M | $186.9M | $161.4M | $21.6M | $5.7M | 2.77% | 5.24% | 0.06% |
| Q3 2024 | $200.6M | $179.2M | $160.7M | $20.5M | $4.3M | 2.80% | 5.24% | 0.33% |
Loan mix (Q2 2026): real estate $120.1M · commercial $20.2M · consumer $3.9M · securities $30.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank Northwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.14% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 33.0% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 62.9% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank Northwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank Northwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank Northwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank Northwest | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.