Northwest Bank

BankSpencer, Iowa
www.nw.bank

Total Assets

$3.0B

Total Deposits

$2.6B

Branches

23

Established

1988

TFS Health Grade

$
C

73.5 / 100

Average financial health

How we grade

Northwest Bank is a bank headquartered in Spencer, Iowa, established in 1988. With $3.0B in total assets and 23 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.02%(8%)
Total Capital Ratio
12.87%(10%)
Non-Performing Loan Ratio
0.23%

Profitability

Return on Assets (ROA)
1.03%(1%)
Return on Equity (ROE)
10.98%(10%)
Net Interest Margin
3.29%
Efficiency Ratio
63.42%(60%)

Lending & Liquidity

Total Loans
$2.4B
Loan-to-Deposit Ratio
92.15%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+1.73%
Deposit Growth (YoY)
+4.11%
Net Income
$30.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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