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Northwest Bank
Spencer, IA·FDIC Cert #32647·Charter: STATE·Est. 19881230.0·HC: NORTHWEST FINANCIAL CORP
Total Assets
$3.0B
Q4 2025
Return on Assets
1.03%
+0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.42%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.03%+0.08
ROE
10.98%+0.72
Efficiency
63.42%-1.37
Equity/Assets
0.00%+0.00
NPL Ratio
0.24%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.15%-2.80
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.5 | 0.5 | 0.6 | 0.7 | 0.8 | 1.0 | 1.0 |
| ROE | 5.4 | 6.1 | 6.2 | 7.2 | 8.0 | 9.3 | 10.3 | 11.0 |
| Efficiency | 79.2 | 76.9 | 76.0 | 73.4 | 70.0 | 67.0 | 64.8 | 63.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 | 0.5 | 0.3 | 0.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 94.6 | 91.2 | 89.8 | 90.7 | 89.0 | 94.4 | 94.9 | 92.1 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.6B
Total Loans$2.4B
Total Equity$291.5M
Profitability
ROA1.03%
ROE10.98%
Efficiency Ratio63.42%
Net Income$30.3M
Risk & Asset Quality
NPL Ratio0.24%
Charge-off Rate0.01%
Loan/Deposit92.15%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans