# BANK NORTHWEST
HAMILTON, MO · FDIC certificate 16601 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $210.3M | |
| Deposits | $189.0M | |
| Loans and leases | $165.6M | |
| Total equity | $20.3M | |
| Loans / deposits | 86.66% (p74 of band) | 73.59% |
| Liquid assets / assets | 18.29% (p18 of band) | |
| Uninsured deposits / deposits | 25.43% (p70 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.26% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p20 of band) | 11.76% |
| Unrealized securities loss / equity | -3.01% (p65 of band) | -6.57% |
| AOCI / equity | -1.40% (p20 of band) | |
| ROA (annualized) | 3.14% (p96 of band) | 1.17% |
| Net interest margin | 5.85% (p98 of band) | 3.93% |
| Efficiency ratio | 43.99% (p6 of band) | |
| Noncurrent loans | 0.16% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p7 of band) | |
| Reserve coverage of noncurrent | 673.85% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 35.56% (p69 of band) | |
| Auto loans | $2.1M (1.25% of loans; DQ 0.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-01-15 [Missouri bank breaks ground on second NWA location - Talk Business & Politics](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTjd3WTVwRmRJUHNiV3hPNExuUFM3WkNnNjFJUGpCdFlNUTlZeDl5SzM3bndkUl9manhpX2xMSHpNR3pSWElJcEFUeVRhZVh5cWJWTEtuSk1USHRFdWdKd01CRlN3MnM2SkYwQ2MzaTdtd205Q1pLUDRBY1JyRTAwZlVZeDIyeDdSTU94OQ?oc=5) · Talk Business &amp; Politics
- 2020-04-20 [First National Bank completes merger with Shenandoah's Century Bank - KMAland.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPMjlCdTRtUmQ4akVBVVBmeV9GcWRORG1MaThFMm1pQ3lYdk9fTWxCN285LVF4cXl4RlhMSmhzay1wS3ZKaVZSNWYzcm14TVp6OXpwSmZkOERtUnZ6cTFoNm13eUpwTEE5NklvN0VBOE1LVDU5MjVwYWVETy1WOEJ1OU9XSUJpU3otaU5EOFhGYkRyX0l5NW9DUW9WYmlIWVcwM3BicEZxbVp2VmNQR1JXbTgxREx0WmtjU1hXMzdBbEN2UTBILUpoMnhQT3oxMlNjcGhHajN5X1dZclNINHc?oc=5) · KMAland.com
- 2025-04-22 [Arvest Names Rodney Shepard as Southeast Regional Executive - Arkansas Business](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRW9kWXVLa2I2X0tBaUgzT2lKMlhoUVZ0OVpuZXJNOXFXUGlnOXZZSkxiaGllYndPcjZOdmJ4QXhwbkZSenk3NjNDRVV6bWFWVnZIaE1sOFZ0UFlCMDRITElxaWlGSW03amF5TkRvMU5BQUpTTFZzaEtnNU1kRmNmTl9ucC01VnRIMmtRRlVlc0dadFFDYlRJWEk3X1I2TDg?oc=5) · Arkansas Business
- 2011-03-30 [USDOJ: US Attorney's Office - NAME OF YOUR DISTRICT HERE - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMidEFVX3lxTFBmSExRMng2RkF1ek9RaXg1ekpub1F2YlhmYXRnZ0Z6Um0taTF0NUVad3hMLUVyMzlGTFlvcmJlNzlzdkRUMlFOdXJKQ3JCVlFzR2JzdFdSLXZ5N2xILU02VHJ5bkR3ckE2RWx4LTdzeUdHNWhY?oc=5) · Department of Justice (.gov)
- 2020-07-24 [East Arkansas lender set to enter Northwest Arkansas market - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUGIxcmh6eldOZU1ZWWt3VFgtbDhxamRPeDRZS2V6UXh2cGdWejU1M1N6WFU2akNEN3dqYUZsNjd0VGNaRFZ0VWNpckVvRkRYUnJrcmxnYW1YcFVHT3psY3RRUGFEUlpucnhnaGJzRVZRbEVtdFVZRURobFV2WURJRWV4ZEZCRk1kNGlIVGZwdE5qREhxNV95Zg?oc=5) · Talk Business &amp; Politics
- 2026-03-23 [Hap Anderson Obituary (2026) - Springfield, MO - Klingner-Cope Family Funeral Home at Rivermonte - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQMUJUMmhDemxyU0F2M0Nlb2YzSVF0LTJpUEY1VERCQW5OWFFhT0JDUmdPcDNpeW1yUzBMSWoxaHVvb2k0RjRVc3l3YlBCbUxqMWF5bDdKbW0xYWFzUGpBWU1rekVkOVZ5ZkQ2MnFtWGtxbWNRMjZhVHdfbkNlM2xyUA?oc=5) · legacy.com
- 2023-09-26 [Today's Bank, First Community Bank planning strategic branch expansions in Northwest Arkansas - Talk Business & Politics](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQZmdKUEVKeFdYTFFTdzNpWlNSS0VlMDM1OWdHXzlXLTRjZ1FHZ2RFb3Q3cjNPTHNTeEJmcU9VNHdNUnJFaFliMVFUcXZQckFSMGhHckJKZC1RTVZ6eGYzYVJJTG1fc1hpRGdvdkdsZFFpREY0ajk5d3BIVVRrNktWV3VST0IyNHZXWWtkR0hPeGhxTDFKLS1nT2xGZUpva3ZMSnBGaUU5RFBFUzl5ZGE2OVU3d3RsUm1JMjN2QTJObkZ4akk?oc=5) · Talk Business &amp; Politics
- 2023-05-21 [Missouri bank opens 2nd Arkansas branch - Talk Business & Politics](https://news.google.com/rss/articles/CBMifkFVX3lxTE5wVmpiRmV0VHJERE1tdldqSGlpTVVBTDRJSDdYdW9MNW5reDlvNU05VEJBQWxoUWFyME4yQW5RakdVSU50ekhGYjZmM3ZQZGlXYXlET2xPSU1mc1V4SXNNd1p3bFZaQzA5YlpHMnlaTEVPUFZqVWs4VFBvdzl0QQ?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16601 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "16601", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide