# NORTHWEST BANK OF ROCKFORD
ROCKFORD, IL · FDIC certificate 20666 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $483.4M | |
| Deposits | $420.9M | |
| Loans and leases | $346.7M | |
| Total equity | $36.8M | |
| Loans / deposits | 81.08% (p52 of band) | 80.20% |
| Liquid assets / assets | 25.01% (p47 of band) | |
| Uninsured deposits / deposits | 22.54% (p40 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.58% (p52 of band) | |
| FHLB advances / assets | 1.03% | |
| Tier 1 leverage | 8.95% (p15 of band) | 10.44% |
| Unrealized securities loss / equity | -22.76% (p34 of band) | -13.25% |
| AOCI / equity | 2.46% (p72 of band) | |
| ROA (annualized) | 0.96% (p46 of band) | 1.02% |
| Net interest margin | 3.27% (p36 of band) | 3.54% |
| Efficiency ratio | 60.76% (p36 of band) | |
| Noncurrent loans | 4.13% (p99 of band) | 0.34% |
| Net charge-offs (annualized) | 0.05% (p80 of band) | |
| Reserve coverage of noncurrent | 38.12% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 46.70% (p50 of band) | |
| Auto loans | $55.1M (15.88% of loans; DQ 2.32%, NCO 0.03%) | |
| Loans to nondepository financials | $400,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 3 | losing money, charge-offs p90 |  |
| 2012-09 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2012-12 | 4 |  | noncurrent p90 |
| 2013-03 | 2 |  | losing money, uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2014-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | reserve under noncurrent |  |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | noncurrent p90 |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 2 | capital falling | charge-offs p90 |
| 2017-06 | 2 | noncurrent p90 | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 3 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 1 | charge-offs p90 | losing money, noncurrent p90, reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 2 | capital falling, charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | assets shrinking |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | noncurrent p90, charge-offs p90 | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 | construction >100% equity | noncurrent p90 |
| 2023-09 | 2 |  | construction >100% equity |
| 2023-12 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity, charge-offs p90 |
| 2024-03 | 3 | securities losses >30% of equity |  |
| 2024-06 | 2 |  | securities losses >30% of equity |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |

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

- 2025-04-02 [Northwest Bank of Rockford transitions to a division of Foresight Bank - WIFR](https://news.google.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?oc=5) · WIFR
- 2017-12-25 [Ellen L. Mchugh Obituary December 25, 2017 - Fitzgerald Funeral Home & Crematory LTD.](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1CeDVXTFl4WG9BSzR5S09kbkNsejhDeHVFNjM3S0VCaHBrN2ZRWFg4akFYcnA3SXAwQkFsVG1FaElaRjVrM1dSVFREVTVvLVdHOUpTQlhDQ094SkpyZGJ4ZDlpSnk?oc=5) · Fitzgerald Funeral Home & Crematory LTD.
- 2019-10-07 [[Update: 4 more] Google Pay adds support for 16 more banks in the US, including E*Trade - 9to5Google](https://news.google.com/rss/articles/CBMibkFVX3lxTFBBNmJPNkZseVk2T1NJMmpiM0loV2NYeHl4X3IxM09meTBnbFl3Y25vOVRHa18wVEFyTWdCS3lHOHRsYW9nZlpFQVJLLUFkOE8tampnUGc4TTRBMk5NdExaSENic2tMZHZjVTRjM3pB?oc=5) · 9to5Google
- 2026-04-13 [Foresight Reports 2026 First Quarter Results - GlobeNewswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxNSkZYc1Ftak4wY1NlS21HRGJkTWhDRTBmSF9WaW5vNEJvYVBrMXJtLXN3TmRPbVVVOTFLR2N2MEQ2WENVUUdhZVduRS04NjVCZ2xPZ2lHUW14aVBOX3RrR3QyTk1weXdKbnRsTDBNOVR3cGlMNjRNemktX2ZGdXJ2eU9NdFJyZVBaTWVyZHFXTlBmT3BDR084VHJzeDRJcm1WWWhiN213SDlkcDJSTzd4NzBwbGtRems?oc=5) · GlobeNewswire
- 2010-10-17 ['Robo-signers' at heart of foreclosure scandal - Rockford Register Star](https://news.google.com/rss/articles/CBMihgFBVV95cUxQU0VEckY2elJzS0M1SmNuTGlJcUE3LVhBeFdoY0tYb1JRYjVRX01aWUlOM3VpdDNXb3piVWI0cDFVRDBWWDFJZXBtLW5ZSHM0U01DcTdoSjUzT2xhZGM2UHd6YV9OVEJnSTZxVHcwX1p6Z3hLZk9hWm8tYmxPbGJydmI3R0VYdw?oc=5) · Rockford Register Star
- 2010-02-22 [OBITUARY: James A. Schneiderman - Freeport Journal-Standard](https://news.google.com/rss/articles/CBMimgFBVV95cUxQQ29tN2lRZTFPREVuUXlNSW03MXFiYlg5elRmUlN1U0RpUmY3NmFIRDFEZ1JyTThWbDRieEpzczJvMV9HN1Q5NVRELVh4LTBZeFlkTWxKbWRKSzRaTmhEaVZrZDA5MGpHZGN6UEhZRHBwTUpfM3pkdkd4QThwcE5UQ1NQcUtzS0s1QUVKRm84WWNlRUhsSnczeHZn?oc=5) · Freeport Journal-Standard
- 2020-01-20 [Untitled - Beloit Daily News](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVDlSOVFncjBJeWpYLUZscXNQLTBxU1M5M2UwZ2k2OElGRWdMZW04elBHSHUyMTFhcWRYZDJ1UGlteEU4aEVyVzZrNHQzT296a0ZnTHY3ZmpJejRwZ3hIWXRKNVB2dXIzUnVldzdrMHRJamRmZDRMaFNSMEIteml1aWlHZmNiRm43a0ZkQkJsYWZWSWU4?oc=5) · Beloit Daily News
- 2025-07-21 [Foresight Reports Second Quarter 2025 Results - The Manila Times](https://news.google.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?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20666 (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/58.json (key "20666", 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