# NORTHWEST COMMUNITY BANK
WINSTED, CT · FDIC certificate 18229 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $1.26B | |
| Deposits | $1.06B | |
| Loans and leases | $1.03B | |
| Total equity | $86.8M | |
| Loans / deposits | 96.84% (p79 of band) | 87.10% |
| Liquid assets / assets | 13.98% (p19 of band) | |
| Uninsured deposits / deposits | 24.51% (p29 of band) | 30.76% |
| Brokered deposits | 0.02% | |
| Wholesale funding | 7.99% (p57 of band) | |
| FHLB advances / assets | 7.97% | |
| Tier 1 leverage | 8.72% (p8 of band) | 10.50% |
| Unrealized securities loss / equity | -35.20% (p6 of band) | -7.75% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 0.53% (p10 of band) | 1.26% |
| Net interest margin | 3.13% (p20 of band) | 3.70% |
| Efficiency ratio | 79.54% (p92 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 151.27% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 35.14% (p36 of band) | |
| Auto loans | $4.6M (0.45% of loans; DQ 2.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 165 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2012-12 | 3 | uninsured deposits leaving |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | wholesale funding >15% |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 0 |  | expense ratio p90, reserve under noncurrent, capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 1 | capital falling | losing money |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | securities losses >30% of equity, uninsured deposits leaving | capital falling, expense ratio p90 |
| 2022-06 | 2 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2022-09 | 4 | capital falling, expense ratio p90 |  |
| 2022-12 | 3 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 | NIM <2.5% | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2023-09-06 [First woman becomes head of Northwest Community Bank - Hartford Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxPcHRkY051d09qLTJwZ0h6SGV6MG94b1pCTENLbEI4MF9MRjM0enVfamNzOXVCX1U1VWhOUHNvTGhFSEc2YWJtWDN4TFBnT1IyNkNTUHVnVWdqVzlFeDA2aldBN3N2SkNEQ0Y3cHFlek1kZEhGTmFnempBTW9scHJSXzVoMFF3NWphNTRNdWRIYkZYbmdF?oc=5) · Hartford Business Journal
- 2025-03-12 [Northwest Community Bank completes rebrand with new logo - The Lakeville Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQkR5Y1pYX1l2OVI1UDVWZDUtdDFmUktOZnpXMTJldWtsUUxTdFJfMTdFdE1YeTh0Q1BvNzFpVzZoZ0FPRkVLdHhEQTJVd2NlZ0Nzc0w4MzhoTEROeDhUeWs1aFRfTGNBSHNKSWFWcGpXcDlGWjRiZk83eUFSSEc4MThpcmgtZ1p2TUpfb1FB?oc=5) · The Lakeville Journal
- 2025-01-10 [Three Connecticut Banks, Already Connected, Will Adopt a Single Identity - Connecticut by the Numbers](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSGRCMGtXZXQzN0hHeF9YcFlRVzI2eWNLVU8xUDdDSFJiTGtPakpZbVBSWlgtQzhMOFFvY2NtSnVrTUxxNHRUUFRVRWt2dGZfLWtBR1o5WmJXRGJOejFWbmk0aFhyeXV0VEM0OFVyZ2xGZ0JOREN3LW10XzNRMGZWTXNWTC1PMGtvNkJoVXU4TndRdkY1Z1VzalhMcEFRdTNyRV9WV0syY2h4Z1U?oc=5) · Connecticut by the Numbers
- 2023-07-21 [King joins Northwest Community Bank - Hartford Business Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTE42amtwNkhKc1dOYk1CZEdjcFdhb2VqLWpablhWUUFjZU9wWDBpRmNCNTg0SW1aY3VzYUh0Rmg2VWk2bGttbFpTN3NvV25TcnJZbFNsTnlsUGJnRU5VWDlxeEJCMnU4R0NtLWFaYlA1NkRoN21EZkktbHZLUHBHUQ?oc=5) · Hartford Business Journal
- 2018-11-07 [Northwest Community Bank supports PAL’s youth basketball program - ctinsider.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOMHJLNnIxU1V4aU9hVkRWcU1BWE5reE8wRHg3OWc2UkwxTUE0aHJCQUthd1dqbUdPc1lOYnpwZkcwb1NaeXlhOHpWTmtpVml4RkplY2t1eGEtcnF2RmhzckxES2ZJbk1JTXVTU0w5X2piOEwzaWpaQ1FiaFdpTmlfRE4weWRXWVd4bDNwWW1mMTh6bVNtYnRUZW5Yc1RadWhocHZLZnZZcw?oc=5) · ctinsider.com
- 2024-07-07 [Christopher Allen Pitt Obituary | June 23, 2024 - courant.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE8yT1pOek1iME9jOWpHQTVtSnNkOVVpaWgzemd3QW1RQUNMMFVWZk96SE1CUGpVZ0dwMnh6ZEZMcmE4eWlJUHFRUnd4UXI4S2s2a0hVZTZsTVFncE9laGdZRUZsX3Zma3dqRnc?oc=5) · courant.com
- 2023-01-30 [Northwest Community Bank names new CEO - Hartford Business Journal](https://news.google.com/rss/articles/CBMiggFBVV95cUxNSmdVOEdXaEMyRGt1TkYtaXY5clFLTHhiMnFQZnZzUVNsY0FUYk5BZm9UQ2I4dlFtUlBuNFYwYlJRQTlnWUV6Tk9WUWRFMUl2UEJYOW1lUHM1Q3UzVkJpUU05eEZTTDVMUjRKZUhCR2IzNWxvU2l4N0J2NTBfR09SRlJn?oc=5) · Hartford Business Journal
- 2010-01-19 [Kane promoted at Northwest Community Bank - ctinsider.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUXRDd2JNM1ZfZnFrWTl1US1idUlUeU5weVhxY29IU0ZmMDcyWFYySUgyTXlTbmEtYkZFVWJ1RFY3aTE2YVVCYUZSejJqY2NTLU5STW5jS19vMEZ4QzR0dnlBTnByRXhlaHdXTlJYa1BUOVE0YWozRlpTUmFpeDRtWFZaOU9KUWNDdXZTXzVlUVc0eVNyX2NNdQ?oc=5) · ctinsider.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18229 (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/53.json (key "18229", 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