B
Northwest Bank
SpencerIA
Rating Date
March 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 7.30
Capitalization Index 8.50
Liquidity Index 2.60
Profitability Index 4.80
Stability Index 7.50
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 1.73%
5-Year Asset Growth 9.35%
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 2.83%
Non-Performing Loans to Loans 0.58%
Balance Sheet Northwest Bank
Spencer, IA
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Total Assets 2.95B
Total Deposits 2.59B
Capital and Reserves Northwest Bank
Spencer, IA
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Capital 291.54M
Leverage Ratio 10.02
Loan Loss Reserves to Loans 1.26%
Risk-Based Capital Ratio 12.87
Liquidity Northwest Bank
Spencer, IA
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Hot Money Ratio 16.54%
Liquidity Ratio 12.17%
Profitability Northwest Bank
Spencer, IA
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5-Year Return on Average Assets 0.91%
Net Income 30.30M
Net Interest Spread 3.24%
Operating Profit to Average Assets 1.33%
Overhead Efficiency Ratio 63.81%
Return on Assets 1.03%
Return on Equity 10.97%