# NORTHWEST BANK
BOISE, ID · FDIC certificate 58752 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $1.45B | |
| Deposits | $1.10B | |
| Loans and leases | $863.2M | |
| Total equity | $234.0M | |
| Loans / deposits | 77.25% (p27 of band) | 87.10% |
| Liquid assets / assets | 39.44% (p89 of band) | |
| Uninsured deposits / deposits | 38.95% (p71 of band) | 30.76% |
| Brokered deposits | 8.74% | |
| Wholesale funding | 15.62% (p81 of band) | |
| FHLB advances / assets | 6.88% | |
| Tier 1 leverage | 16.57% (p95 of band) | 10.50% |
| Unrealized securities loss / equity | -1.46% (p84 of band) | -7.75% |
| AOCI / equity | -0.68% (p27 of band) | |
| ROA (annualized) | 1.43% (p66 of band) | 1.26% |
| Net interest margin | 4.48% (p87 of band) | 3.70% |
| Efficiency ratio | 55.10% (p39 of band) | |
| Noncurrent loans | 3.79% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.52% (p95 of band) | |
| Reserve coverage of noncurrent | 39.43% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 46.76% (p49 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 132 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 3 | loans exceed deposits, capital falling |  |
| 2011-12 | 3 | uninsured deposits >50% | loans exceed deposits |
| 2012-03 | 3 |  |  |
| 2012-06 | 1 |  | capital falling, uninsured deposits >50% |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 1 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2014-06 | 2 | brokered >10%, construction >100% equity | loans exceed deposits |
| 2014-09 | 2 | capital falling | construction >100% equity |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | loans exceed deposits, capital falling | brokered >10% |
| 2015-09 | 2 | construction >100% equity | loans exceed deposits |
| 2015-12 | 3 | loans exceed deposits, brokered >10% | capital falling |
| 2016-03 | 2 |  | brokered >10% |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | brokered >10% |  |
| 2017-06 | 1 |  | construction >100% equity, loans exceed deposits |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 3 | construction >100% equity |  |
| 2018-03 | 1 |  | capital falling, construction >100% equity |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | brokered >10% |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits >50% |  |
| 2019-09 | 3 | capital falling, construction >100% equity |  |
| 2019-12 | 2 |  | construction >100% equity |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 1 |  | capital falling, charge-offs p90 |
| 2020-12 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2021-03 | 3 |  | charge-offs p90, construction >100% equity |
| 2021-06 | 5 | deposits shrinking, assets shrinking |  |
| 2021-09 | 3 |  | deposits shrinking, assets shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | reserve under noncurrent |
| 2022-06 | 4 | deposits shrinking, assets shrinking |  |
| 2022-09 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2022-12 | 3 | capital falling, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2023-03 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50%, capital falling, charge-offs p90 |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 1 |  | brokered >10% |
| 2023-12 | 1 |  |  |
| 2024-03 | 5 | uninsured deposits >50%, brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  | uninsured deposits >50%, noncurrent p90, reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2025-06 | 4 | noncurrent p90, reserve under noncurrent | charge-offs p90, uninsured deposits leaving |
| 2025-09 | 5 | uninsured deposits leaving |  |
| 2025-12 | 4 |  | uninsured deposits leaving |
| 2026-03 | 4 | charge-offs p90 | brokered >10% |
| 2026-06 | 4 |  |  |

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

- 2026-08-06 [Northwest Bank overhauls C-suite to drive transformation - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSExtSTVQQ1lfZWJSc3ZIbXNWMFNIa2cwbXBDcV9pR2RDOVpDVnVic0JZOUlMM2JqbHhDeFlTaFN4UGtLX1RXTTJVVmpXcW1xa3V0ckRCV3JWZE9UdVlJLVZ3QWtJVm4tMkFsMlBoMHBULV90Wk9weHMwaU9jUXZrUmEyOTJhOFVPNC1LT2RXanZ5QQ?oc=5) · Banking Dive
- 2026-05-26 [Northwest Bank Names Chad Ballard as Chief Information Officer - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdVl0aXdZV0hXd1Mxb1BOMW9jNkc1WHFUT29GdUpYVXhvZ0dSMUp3V0xac1pCVHpOdU52SkV2UUo1TzFmRGVIYTlyUjJKUkhYRW5nVUwtZTV5em1HcUZCc1EtNFZiUnNTTVh1NloycEwzbnlEaFNTMmlwTmFQSWVGQktXLUJ2cVk3d3p3b1JWX3hjd3B4MUdmTjg4VzJQQi1YekVETFBMYjd5SEJDVGJtdFp2WER0cHpOWXc?oc=5) · PR Newswire
- 2025-12-08 [Suspect in Erie $16,000 ID fraud theft turns herself in - yourerie.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSmhrd20xdF9YVUN5elNCREh3YUQ5S3JrclJtSkdZUDdoTTNfZkN5MHVtVHJpLVNSNng0eVVuSzM2SC02ek5CU1pFLWJ0X2k2eThJWnFJX05kbVB4QmtWeHVUZjM4bThndnc0NG1vSWkyNEZIUEp0NnlPTTN2eWtmZThSMEpkTmVrMmQwMFJHWWNpQnZMeUtla2Jzb1RMdDczWndKMNIBqgFBVV95cUxNSTczOEhVWlFSMTdIdmpneGdOTXFHS2w3ZVJ3ZHE0OGZNbzg4eElIUlZSUzRKb2Zsc1lheVVQXzhIUTh3eGwyY1lweVZLNGVNbFQ3N1lpSEl4R3lVclpvalRhTXpiVURkRWZvQ1NBdDBCNjJEcVlsQmlFOE5pR3lsTWxGc2ZYX2swM0d1Z0N0NGdrMnE4TF9rSE56VmdicnMxMkVvNGgtWms0UQ?oc=5) · yourerie.com
- 2026-05-18 [Fraud Ring Allegedly Uses Fake IDs to Steal $1.3 Million From Credit Unions & Banks - CUTimes](https://news.google.com/rss/articles/CBMitwFBVV95cUxOalptaG1aZFFoQnBqZmpIMlN0RXo2S2lxN3pGaks3Y3lPTmRkN2hqdzJjLW9MNGJERExTZ1hYbWlLOEdfdFZ3elM4aDlNUVB1RzY5ZHVDcmdFVlkxSHJTOE9lU1dHTDJMSm9vYWpVR1NMeENnbENSN2lXZ2xzNi1od0o0QXlOb2lwNzhoMjBGLXI4WlJMWXExSDA3dDVvLVJHaTY3QUJ5WHRreEZsMUxURkVLN3ZvNzQ?oc=5) · CUTimes
- 2026-03-09 [Atlanta man gets almost 3 years in federal prison for bank fraud conspiracy in New York - 11Alive.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPVXdvWmZ0VDVnaEpBbjhVV19DMGJUTHZaMVZFV21YX0dXTFpURHJ2ZXlCYXpwRW5oLVRHMWg3TFlPRF9Lajc0N1hIR01GR29TRllud2h6Q01zeDh1a09pdUZOVGlsN0RrTjRuQW5VcWdCdGxKUGl5NlBjV1NmZTVTU19hNzZ1b1IxMjREeUZNdnByOVpGc2FETmNwWEpPMm8wX3RUNnYtbWZaTHhRSnE3aFJNSmZ5VlJDaEk2QmN4VTlySGJRSWdrLWltcWlaT2R4bUpmcW1YbHlQQmtzYWJuTjEzbHIybERILXRielN2WlhfZw?oc=5) · 11Alive.com
- 2026-05-03 [6 Upstate NY residents accused of orchestrating $1.3 million tax refund fraud scheme - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-03-29 [Man pleads guilty to bank fraud scheme that ends in Western New York - WGRZ](https://news.google.com/rss/articles/CBMiuwFBVV95cUxObFc3UllnY2I4aHR6c1pZR2IzNHp2U3c4WXhjVG5LYUlEeTVRT09FVlVEQlUzdm0tdlVDTUVMa1FqM2RWdlRfRmtWTzRYVXhkX2Z4Q3BweGpmaDNhOFpfaUVPbnQ4N3lFWHRfZVRRSFprc3ZGeE5oRjVVazlGdjY3R0VHVVNxcUxrWlVCaDFjR3VTSS1IVnE5UnBINjNTQ2ZpRE1NanNVaTNlV2RYMmloeHd4MUg5UkJkZ19N?oc=5) · WGRZ
- 2026-08-06 [Northwest Bank overhauls C-suite to drive transformation - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxPTjJDMlFsWmxUMnJNUVdrSDVoSkFKZ3NxMUtSUWpRelRDMkF6dkpOa3kzQkN1T044YWFweWM4WnhjZ0xwRHBvT04zWjJ4WGVkSUxFV3dkb2NmYk5zd2RZMDlYemY2eXdnS2ltLUd0bFdlWXpmVl9ETWN3aGRhWjRZSHBiX3NjR2w2SDVFbFhUa2tqZktmTlZXczdvenJ2dw?oc=5) · Yahoo Finance

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58752 (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/0.json (key "58752", 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