| Metric | Northwest Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +5.5% | -3.9 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +5.0% | +5.9% | -1.0 pts |
| ROA | 1.35% | 1.26% | +0.1 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.00B | $2.62B | $2.46B | $295.0M | $20.1M | 1.35% | 3.66% | 0.20% |
| Q1 2026 | $2.97B | $2.61B | $2.40B | $295.1M | $9.3M | 1.26% | 3.59% | 0.20% |
| Q4 2025 | $2.95B | $2.59B | $2.39B | $291.5M | $30.3M | 1.03% | 3.29% | 0.22% |
| Q3 2025 | $2.97B | $2.51B | $2.39B | $284.5M | $20.9M | 0.95% | 3.18% | 0.27% |
| Q2 2025 | $2.95B | $2.49B | $2.35B | $277.2M | $12.4M | 0.85% | 3.06% | 0.41% |
| Q1 2025 | $2.91B | $2.54B | $2.26B | $267.8M | $5.3M | 0.73% | 2.91% | 0.49% |
| Q4 2024 | $2.90B | $2.49B | $2.26B | $258.8M | $17.6M | 0.59% | 2.62% | 0.45% |
| Q3 2024 | $2.92B | $2.50B | $2.24B | $255.5M | $11.2M | 0.50% | 2.54% | 0.37% |
Loan mix (Q2 2026): real estate $1.88B · commercial $339.0M · consumer $31.8M · securities $319.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northwest Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 59.0% | 44th |
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 | Northwest Bank | 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 | Northwest Bank | 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 | Northwest Bank | 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 | Northwest Bank | 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.