B
Northwest Bank
SpencerIA
Rating Date
October 2025
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 7.60
Capitalization Index 8.40
Liquidity Index 2.70
Profitability Index 4.60
Stability Index 7.00
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 1.86%
5-Year Asset Growth 14.37%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.47%
Non-Performing Loans to Capital 2.13%
Non-Performing Loans to Loans 0.63%
Balance Sheet Northwest Bank
Spencer, IA
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Total Assets 2.97B
Total Deposits 2.51B
Capital and Reserves Northwest Bank
Spencer, IA
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Capital 284.52M
Leverage Ratio 9.94
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 12.60
Liquidity Northwest Bank
Spencer, IA
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Hot Money Ratio 17.95%
Liquidity Ratio 12.51%
Profitability Northwest Bank
Spencer, IA
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5-Year Return on Average Assets 0.91%
Net Income 20.94M
Net Interest Spread 3.15%
Operating Profit to Average Assets 1.23%
Overhead Efficiency Ratio 65.19%
Return on Assets 0.95%
Return on Equity 10.26%