B
Northwest Bank
Spencer,  IA
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Northwest Bank
Spencer, IA
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Rating B
Asset Quality Index 7.80
Capitalization Index 8.70
Liquidity Index 2.50
Profitability Index 6.10
Stability Index 5.70
Company Info Northwest Bank
Spencer, IA
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FDIC Number 32647
Phone Number (712) 580-4100
Website www.nw.bank
Asset Quality Northwest Bank
Spencer, IA
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1-Year Asset Growth 1.56%
5-Year Asset Growth 9.35%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 2.58%
Non-Performing Loans to Loans 0.47%
Balance Sheet Northwest Bank
Spencer, IA
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Total Assets 3.00B
Total Deposits 2.62B
Capital and Reserves Northwest Bank
Spencer, IA
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Capital 294.96M
Leverage Ratio 10.12
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 12.44
Liquidity Northwest Bank
Spencer, IA
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Hot Money Ratio 16.63%
Liquidity Ratio 11.84%
Profitability Northwest Bank
Spencer, IA
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5-Year Return on Average Assets 0.87%
Net Income 20.08M
Net Interest Spread 3.63%
Operating Profit to Average Assets 1.75%
Overhead Efficiency Ratio 57.90%
Return on Assets 1.35%
Return on Equity 13.65%