Northwest Bank
Boise, ID·RSSD 3678857·FDIC 58752·bank:3678857·CBLR opted in
- #3 of 10Total assets in Idaho
- 6offices
- 132employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Northwest Bank
7 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter16.57%peers 10.54%+6.0 pp
Northwest Bank's leverage ratio rose 2.3 percentage points over the past year to 16.57%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 16.57% | 10.54% | +6.0 pp |
| 12-month change | ||
| +2.3 pp | +0.3 pp | +2.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile. How signals work
Reliance on CDs falling faster than peersNotable: Funding 2nd quarter33.3%peers 26.3%+7.1 pp
Northwest Bank's time deposits' share of deposits fell 8.6 percentage points over the past year to 33.3%. Among 625 similar banks, the median fell 0.7 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Time deposits' share of deposits | ||
| 33.3% | 26.3% | +7.1 pp |
| 12-month change | ||
| -8.6 pp | -0.7 pp | -7.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising faster than peersWorth a look: Asset quality 2nd quarter3.79%peers 0.48%+331 bps
Northwest Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 159 bps over the past year to 3.79%. Among 624 similar banks, the median rose 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 3.79% | 0.48% | +331 bps |
| 12-month change | ||
| +159 bps | +2 bps | +157 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-6.2%peers +5.8%-12.0 pp
Northwest Bank's loans declined 6.2% over the past year to $863 million. The median among 624 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -6.2% | +5.8% | -12.0 pp |
| Loans | ||
| $863 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency57.5%peers 60.4%-2.9 pp
Northwest Bank's efficiency ratio rose 8.6 percentage points over the past year to 57.5%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 57.5% | 60.4% | -2.9 pp |
| 12-month change | ||
| +8.6 pp | -2.1 pp | +10.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Deposit costs falling faster than peersFunding
- Net charge-offs rising while the peer median holds steadyAsset quality
Key facts
- Northwest Bank is a bank headquartered in Boise, Idaho. It reported $1.5 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.1 billion, down 2.4% from a year earlier, and loans totaled $863 million, down 6.2%.
- Its net interest margin was 4.49% and its annualized return on assets was 1.49% for the quarter.
- Its cost of all deposits was 2.37%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Northwest Bank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Northwest Bank · Bank
- Federal Reserve RSSD
- 3678857
- FDIC certificate
- 58752
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Northwest Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $5.4M | — | |
| $23.48M | — | |
| $7.59M | — | |
| $15.89M | — | |
| $1.18M | — | |
| $9.82M | — | |
| -$420K | — | |
| $50K | — | |
| 1.49% | 1.48%ROAQ · Quarter | |
| 4.49% | 4.48%NIMYQ · Quarter | |
| 57.53% | 57.53%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.