# NORTHWEST BANK
LAKE OSWEGO, OR · FDIC certificate 58047 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $94.1M | |
| Deposits | $84.9M | |
| Loans and leases | $76.0M | |
| Total equity | $8.9M | |
| Loans / deposits | 87.51% (p84 of band) | 69.17% |
| Liquid assets / assets | 18.72% (p14 of band) | |
| Uninsured deposits / deposits | 10.81% (p63 of band) | 8.28% |
| Brokered deposits | 0.24% | |
| Wholesale funding | 0.24% (p38 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.79% (p27 of band) | 10.02% |
| Unrealized securities loss / equity | -0.85% (p2 of band) | 3.21% |
| AOCI / equity | -1.97% (p2 of band) | |
| ROA (annualized) | 0.55% (p35 of band) | 0.78% |
| Net interest margin | 4.04% (p66 of band) | 3.76% |
| Efficiency ratio | 95.54% (p88 of band) | |
| Noncurrent loans | 3.10% (p76 of band) | 1.31% |
| Net charge-offs (annualized) | -0.45% (p1 of band) | |
| Reserve coverage of noncurrent | 70.99% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 44.34% (p77 of band) | |
| Auto loans | $39,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | brokered >10%, charge-offs p90, construction >100% equity |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 3 | deposits shrinking, assets shrinking | expense ratio p90 |

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

- 2026-08-25 [Northwest Bank Plans New Corporate Headquarters in Dublin to Support Central Ohio Growth - PR Newswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNVkppUjBrbk9odF90cFpfSnREalJJU3dxVC1fRmNRNTZ6dkJxMGYwVGluOUdVdVRwNVRQUmVDWjRsSjcyM1g5TzhQM2JMRjl6bFpWRGp2aEtoX1c2RGNLNHZFdnBGOHljQXJTd2ZqQ2I3bXg1OWJQdnJJcU9KemcyaHJza296OTlyeW5RNm9xcmhSWEVfbWJQNDY1aU5OUUU4MGotdjlrek5IOV9faU01MTRvd3pNWU83TGtjYWhzS0FLaDdjakJneHRiemNZTXl4TFd3dmJlMFZESmY1?oc=5) · PR Newswire
- 2026-08-06 [Northwest Bank overhauls C-suite to drive transformation - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSExtSTVQQ1lfZWJSc3ZIbXNWMFNIa2cwbXBDcV9pR2RDOVpDVnVic0JZOUlMM2JqbHhDeFlTaFN4UGtLX1RXTTJVVmpXcW1xa3V0ckRCV3JWZE9UdVlJLVZ3QWtJVm4tMkFsMlBoMHBULV90Wk9weHMwaU9jUXZrUmEyOTJhOFVPNC1LT2RXanZ5QQ?oc=5) · Banking Dive
- 2026-08-27 [Northwest Bank to bring new headquarters to Dublin - NBC4 WCMH-TV](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYlo1Tk5wY0FhU29aR2xDYTB3TFRwQUJZMFRYLXpUNjdZcUFTeXpYYWRYNWRnaVVrVHZsRjQ1a1NuOU9WUFU3YTk4MzFrdXhpOGJqal85MUtyUmlFOEZzSTk3VHg4MTQzdEU5dTh1QzE5a19wV3M5bTFoMFZ0Rmk3ZzllMkR5ckF5TFhqbUhzdUlyRWd4OUlPUkhPbULSAaIBQVVfeXFMT0JINHRPWVJtN2w3bG1jOWJ6bG0ySzZZNVdoblZLRkRnbW9lSTdjX216VlZma0I0WHZ3MFN0V1VyanB5WU5ZZ3VhMC1WVHBobmVNa2Q5UlljczZSRTRYX2JwbnBHMFRubVM2cUU2VHRiQlk0blpkQjVUQjExcUJEcmM3WGpyaWYyVmRtUTF4anEwVTBCQXlHT1R3TWtfRjBPSExB?oc=5) · NBC4 WCMH-TV
- 2026-08-26 [Northwest Bank moving corporate offices to new Ohio site - - Times Observer](https://news.google.com/rss/articles/CBMisAFBVV95cUxNZ2JzeDVLT29uTjVQcHNULUpnR0JaNWEzUEhJUHpPVWlyVVIyeHFBUERTMzhzZXZtOU0waW1sQzZfVEhWRjY0OWdvUUdMMlB5Q2tWVFJPWEZXMTBWaC1xRk1LdDR3UHhnY0FLR2VPZkNpQnd3VmVfN3RDRkNER2RYenJIanU3NEhJSVJXaVdDVmNrNlBtMExwWl8xcnFicGhiMmxtb2VaUjZGcVM1MTByOQ?oc=5) · Times Observer
- 2026-08-31 [Northwest Bank Launches Donation Drive to Support Indiana Flood Relief Efforts - Muncie Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNDZzekYxVE9QNWM1T0RqaEx5VXJrd0U3RlpycHpGRHJxaEI0Nm9qUUszQmV4WlNjVk1sSjRmb3c4anNfVUJrRW1TeXM3c2pIRll2M1VOS1U2RlFHbl81S2xtdWFNcEE4Z2Fmb2g1QnVrcDdBaV9uZ05Icmxma0k1SjgzYW9wcHRqS1RkVGtPWFhkalNzNlg0bkxVWGdXREh1OGdEREllY1AxNEgtQ2NocVdHZUg0LUdoNXA2dHdKRzlsZw?oc=5) · Muncie Journal
- 2026-08-25 [Exclusive: Bank plans HQ move to Bridge North mixed-use development in Dublin, adding 150 jobs - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdFZYc1U0Y3I1akRHMm1ESmduRjk2SWgxejQ0YTgyWWE2YXBILU1DZjNmTmtfdVduazh0cWlzSFJlNFl5a1lvdHE4SEszWDJ1RVVvNDdpMVV4bG1tYnhNUVVaTXlWQ0FETEZNMGdxc3ZFR203TkxBUDZCNG1WZHJ3YUF1dkJoSWZXUU0xLVNudGpfNEdFZG1XbGVFel9VX3M?oc=5) · The Business Journals
- 2026-09-01 [Northwest Bank Region Presidents Recognized Among Top Women Business Leaders - Morningstar](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNaWdPa3NCMkFfTHAzcndRYnVMVjR3WTBkQXZWX2dpc2c4WVV0QkxrNlh3OXBQeXpjSnZLdlBmZVh1dG5RdHZmQnU2Zk5pQ0RveDZMWDNBU29ySTAyX3pBUVRqVXYtWDNORUw4YUZnQmo0ZFdVdm1Ub3daLUlLV2l0UXdzX25mRmhXSnBNWldsWFNjc3oxS1ROSUhfWlVHMll3Z0FBWWNHcngtOG5tbU9Rb2YySV9ueE03eVhaNFdLVzNRUFIyRi0tTW1NZXZpaG1FR2h3?oc=5) · Morningstar
- 2026-08-28 [Northwest Bank Announces Plans for New Headquarters Office in Dublin, Ohio - CommercialCafe](https://news.google.com/rss/articles/CBMimAFBVV95cUxOT3Q1NTd0YnZoTU1MeHZLdWk5c0ZRanZreHV2WXJmZk1xNE1zekxLeGdZWWprT3dVT2tDa2plWnZ5ZVZuZml1bFRUX2l0QlptOTNicklodXZFY0RyVlR0NFlyUGh4SkU5cVdYQVdaYWhiMHZLM25PMl8yRTl2Wk9zQ3JZNE5RQVZuTmZoa21jZW9MNkhKUFUzSw?oc=5) · CommercialCafe

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58047 (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/63.json (key "58047", 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