TellerScore

Bank Northwest (FDIC certificate #16601) is based in Hamilton, Missouri. Its Q2 2026 call report shows $210.3M in total assets and $189.0M in deposits and 6 offices.

Based on its Q2 2026 filing, Bank Northwest scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 63rd. Its strongest component is earnings (100/100; 3.14%), and its lowest is capital cushion (47/100; 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.66%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings100/100
Return on assets (annualized): 3.14%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 86.7% · 25.4% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202477
Q3 202476
Q4 202480
Q1 202575
Q2 202577
Q3 202579
Q4 202579
Q1 202673
Q2 202677
Tier 1 leverage ratio
5.00%7.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.70%
Q3 202410.37%
Q4 202410.73%
Q1 20259.12%
Q2 20259.75%
Q3 202510.29%
Q4 202510.73%
Q1 20268.75%
Q2 20269.66%
Noncurrent loans
0.07%0.24%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.41%
Q4 20240.07%
Q1 20250.12%
Q2 20250.13%
Q3 20250.07%
Q4 20250.18%
Q1 20260.15%
Q2 20260.16%
Return on assets
2.77%2.95%3.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.81%
Q3 20242.80%
Q4 20242.77%
Q1 20252.87%
Q2 20252.91%
Q3 20253.02%
Q4 20252.88%
Q1 20262.81%
Q2 20263.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$210.3M9.66%0.16%3.14%86.7%
Q1 202673$219.1M8.75%0.15%2.81%84.6%
Q4 202579$222.6M10.73%0.18%2.88%84.0%
Q3 202579$210.1M10.29%0.07%3.02%89.9%
Q2 202577$216.3M9.75%0.13%2.91%83.9%
Q1 202575$209.7M9.12%0.12%2.87%86.0%
Q4 202480$208.7M10.73%0.07%2.77%86.4%
Q3 202476$200.6M10.37%0.41%2.80%89.7%
Q2 202477$206.1M9.70%0.09%2.81%93.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.66%
24th
Total risk-based capital0.00%
24th
Problem loans0.16%
68th
Net charge-offs-0.03%
94th
Return on assets3.14%
98th
Net interest margin5.85%
98th
Efficiency ratio44.0%
92nd
Loans to deposits86.7%
33rd
Uninsured deposits25.4%
45th
Loan-loss reserves1.06%
33rd
Texas ratio1.2%
66th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
The Corner Stone BankBank South West City, MO67 out of 100, Moderate$211.4M12.2%1.72%vs
1st Advantage BankBank Saint Peters, MO68 out of 100, Moderate$212.0M9.9%0.14%vs
Carroll County Trust Company of Carrollton, MissouriBank Carrollton, MO61 out of 100, Moderate$207.6M9.0%0.61%vs
The Citizens-Farmers Bank of Cole CampBank Cole Camp, MO85 out of 100, Very strong$207.0M14.8%1.35%vs
Bank 21Bank Carrollton, MO79 out of 100, Strong$202.1M11.5%0.05%vs
FCNB BankBank Steelville, MO67 out of 100, Moderate$220.4M8.1%0.00%vs

Deposit insurance

Is my money safe at Bank Northwest?

Yes. Bank Northwest is an FDIC-insured institution (FDIC certificate #16601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.4% of deposits ($48.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Bank Northwest lists 5 offices in 5 cities. Most locations:

  • Bethany, MO (1)
  • Cameron, MO (1)
  • Hamilton, MO (1)
  • Polo, MO (1)
  • Stanberry, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank Northwest reported 92 home-loan applications under HMDA (LEI 254900DRRUT25BYSOL40): 77 originated ($16,455,000 total), 11 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank Northwest
Former names
Caldwell County Bank; The Kingston Bank, Kingston, Missouri
Type
State-chartered bank
FDIC certificate #
16601
RSSD ID
645157
Primary regulator
FDIC
Holding company
Caldwell County Bancshares Inc
Established
August 4, 1945
Headquarters
201 S Davis St, Hamilton, MO 64644
Employees
41

Quick answers

Bank Northwest: common questions

Is Bank Northwest FDIC insured?

Yes. Bank Northwest is an FDIC-insured institution (FDIC certificate #16601). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank Northwest's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank Northwest ever failed?

There is no failure record for FDIC certificate #16601 in the FDIC failed bank list.

How many branches does Bank Northwest have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers Bank of Northern MissouriBank Unionville, MO83 out of 100, Strong$566.5M12.7%0.26%vs
Pony Express BankBank Braymer, MO76 out of 100, Strong$399.5M10.2%0.17%vs
Goppert Financial BankBank Lathrop, MO76 out of 100, Strong$312.0M10.1%0.00%vs
Hawthorn BankBank Jefferson City, MO75 out of 100, Strong$1.8B11.3%0.47%vs
The Hamilton BankBank Hamilton, MO74 out of 100, Strong$119.8M9.3%0.47%vs
Independent Farmers BankBank Maysville, MO71 out of 100, Strong$146.5M10.5%0.66%vs