| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.5% | +2.5 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +10.3% | +5.9% | +4.4 pts |
| ROA | 0.53% | 1.26% | -0.7 pts |
| ROE | 7.7% | 12.2% | -4.5 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.26B | $1.06B | $1.02B | $86.8M | $3.3M | 0.53% | 3.13% | 0.49% |
| Q1 2026 | $1.23B | $1.06B | $996.2M | $85.0M | $1.5M | 0.49% | 3.05% | 0.46% |
| Q4 2025 | $1.20B | $1.00B | $976.5M | $83.4M | $5.3M | 0.45% | 2.92% | 0.41% |
| Q3 2025 | $1.18B | $1.03B | $953.7M | $80.8M | $3.6M | 0.41% | 2.86% | 0.46% |
| Q2 2025 | $1.16B | $1.02B | $928.8M | $77.3M | $2.2M | 0.37% | 2.79% | 0.42% |
| Q1 2025 | $1.18B | $1.04B | $923.4M | $74.7M | $715K | 0.25% | 2.69% | 0.47% |
| Q4 2024 | $1.15B | $1.02B | $912.2M | $70.8M | $2.1M | 0.18% | 2.46% | 0.43% |
| Q3 2024 | $1.15B | $1.01B | $885.8M | $75.9M | $1.3M | 0.15% | 2.41% | 0.54% |
Loan mix (Q2 2026): real estate $979.2M · commercial $46.7M · consumer $7.6M · securities $151.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northwest Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 59.0% | 93rd |
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 Community 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 Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Northwest Community 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 Community 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 Community 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.
14 branches in 3 counties across 1 state (+0 vs 2024) · $1.02B branch deposits. Biggest market: Northwest Hills, CT, ranked 2nd with 19.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Northwest Hills, CT | 7 | $574.1M | 18.96% | 2nd |
| Capitol, CT | 6 | $367.1M | 0.72% | 14th |
| Naugatuck Valley, CT | 1 | $74.9M | 0.71% | 18th |
Connecticut: 26th with 0.67% · Hartford-West Hartford-East Hartford metro: 15th, 0.65% · Waterbury-Shelton metro: 18th, 0.71% ·
Branch count: 2022 15 · 2023 14 · 2024 14 · 2025 14