← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Idaho, the state note

Northwest Bank

Boise, Idaho · $1.45B in assets · beside the 11 other the Mountain West banks between $1B and $3B (the state alone holds too few in the band to rank)

The filing

-6.2%
Loans, year over year
11th of 11, largest first
16.1%
Equity / assets
2nd of 12
3.79%
NPA / loans
10th of 11

Northwest Bank is the fourth largest of the 12 the Mountain West banks nearest its size between $1B and $3B, with $1.45B in assets at 30 June 2026. Loans are 78.4% of deposits, 4th of 11 against a median of 86.4%, and equity is 16.1% of assets, 2nd of 12. Loans grew -6.2% in the year, the slowest in the cohort, and deposits fell 2.4%; the cohort's median loan growth is +6.4%.

Noncurrent loans are 3.79% of the book, 10th of 11 against a median of 0.49%; 0.42% is 30 to 89 days past due, and the allowance covers them 0.4 times. Net charge-offs are 0.89% of loans, 9th of 11. Commercial real estate is 48.2% of loans, 10th of 11 against a median of 31.8%, and 177% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is 1.47%, 7th of 12 against a median of 1.52%, on an efficiency ratio of 55.1%, 8th of 12. Five years ago it was 1.47%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsMountain West banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 11.7% WF Wells Fargo Trust Co. N.A. 95.6% NB Northwest Bank 16.1% QB Quill Bank 14.1% G Gbank 13.0% YB Yellowstone Bank 12.7% IB Independence Bank 12.1% TA Transportation Alliance Bank D 11.3% IF Idaho First Bank 10.5% PB Pinnacle Bank Wyoming 9.8% FF First FSB of Twin Falls 9.7% FB Fortis Bank 8.6% SN Solera National Bank 7.7%
Loans, year over yearMountain West banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.4% IF Idaho First Bank +48.8% QB Quill Bank +31.3% G Gbank +19.8% SN Solera National Bank +19.2% IB Independence Bank +11.4% YB Yellowstone Bank +6.4% PB Pinnacle Bank Wyoming +6.2% FB Fortis Bank +3.6% FF First FSB of Twin Falls +0.6% TA Transportation Alliance Bank D -4.4% NB Northwest Bank -6.2%

SBA 7(a), FY2008 to FY2026

Northwest Bank is the 21st largest 7(a) lender into Washington of 281, with $193M across 247 loans, 1.4% of everything approved in the state (U.S. Bank, National Association leads with $933M). 23 of its 54 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Washington, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
King, WA$89M15th of 1931.9%+2.3 pts
Snohomish, WA$31M16th of 1271.9%-1.8 pts
Spokane, WA$24M12th of 1052.9%-4.7 pts
Ada, ID$24M14th of 1332.2%-1.4 pts
Salt Lake, UT$22M25th of 1640.7%+0.5 pts
Kootenai, ID$15M10th of 792.7%-2.2 pts
Multnomah, OR$14M22nd of 1400.9%+0.6 pts
Pierce, WA$13M34th of 1370.8%-0.4 pts
Washington, OR$11M16th of 1221.2%-2.9 pts
Utah, UT$9M28th of 1350.6%thin
Davis, UT$9M21st of 1011.5%thin
Island, WA$8M4th of 418.3%quiet FY2019
Canyon, ID$6M15th of 621.9%+3.4 pts
41 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing69$62M18.2%0.16%115th of 2,246
Accommodation & food services104$59M17.2%0.08%199th of 2,596
Retail trade60$50M14.5%0.08%181st of 2,589
Construction52$43M12.5%0.13%121st of 2,063
Wholesale trade26$25M7.4%0.10%160th of 1,651
7(a) lenders into Washington, share of approvals since FY2008281 lenders on record; the ten largest and Northwest Bank
UB U.S. Bank, National Association 6.9% $933M · 3,630 loans CB Columbia Bank 6.7% $907M · 2,786 loans KN KeyBank National Association 5.5% $735M · 1,921 loans Bo Bank of Hope 4.9% $658M · 702 loans LO Live Oak Banking Company 4.4% $598M · 424 loans WF Wells Fargo Bank National Associa… 3.9% $518M · 1,645 loans BB Banner Bank 3.5% $467M · 2,139 loans RL Readycap Lending, LLC 3.3% $440M · 406 loans HB Heritage Bank 3.2% $437M · 947 loans U Unibank 2.8% $384M · 420 loans NB Northwest Bank 1.4% $193M · 247 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Northwest Bank among them; owner-occupied excluded; bold marks a screen met
Northwest BankRankCohort median
Total CRE against capital, the 300% screen177%7th of 12173%
Construction against capital, the 100% screen47%6th of 1247%
Construction and land development, share of loans12.7%9th of 118.8%
Non-owner-occupied nonfarm nonresidential, share of loans32.9%10th of 1117.0%
Total CRE, the guidance definition, share of loans48.2%10th of 1131.8%
CRE growth over 36 months, the third prong+41.2%6th of 11+41.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Transportation Alliance Bank D$1.59B1.1%61.1%1.79%2.23%1.5%90.9%11.3%
Quill Bank$1.56B5.2%32.4%2.54%5.93%3.9%96.7%14.1%
Solera National Bank$1.55B1.6%49.0%1.45%0.05%1.5%69.7%7.7%
Northwest Bank$1.45B1.5%55.1%3.79%0.89%1.5%78.4%16.1%
Gbank$1.43B1.3%60.1%4.96%0.48%1.1%90.0%13.0%
First FSB of Twin Falls$1.42B1.3%67.8%0.01%0.01%1.0%86.4%9.7%
Independence Bank$1.39B1.9%41.7%0.46%0.00%1.3%92.4%12.1%
Idaho First Bank$1.36B0.9%52.8%0.05%0.12%1.2%78.2%10.5%
Fortis Bank$1.35B0.7%75.9%0.49%0.03%0.9%95.3%8.6%
Yellowstone Bank$1.34B3.0%31.2%0.01%0.00%0.6%67.0%12.7%
Wells Fargo Trust Co. N.A.$1.33B2.0%3.9%no recordno recordno recordno record95.6%
Pinnacle Bank Wyoming$1.30B1.7%47.2%0.26%0.01%1.2%80.2%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Northwest BankCohort median
20212026Change20212026Change
Loans$668M$863M+29%$636M$1.00B+58%
Deposits$836M$1.10B+32%$832M$1.20B+45%
NPA / loans2.18%3.79%+1.61 pts0.35%0.49%+0.13 pts
Efficiency51.2%55.1%+3.9 pts53.9%50.9%-3.0 pts
ROA1.47%1.47%+0.00 pts1.71%1.52%-0.19 pts

This read was prepared for Northwest Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Northwest Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $1B to $3B
Institution northwest-bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue