TellerScore

Northwest Bank (FDIC certificate #58752) is based in Boise, Idaho. Its Q2 2026 call report shows $1.5B in total assets and $1.1B in deposits and 6 offices across 4 states.

Northwest Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 10 banks headquartered in Idaho, it ranks 8th. Capital cushion contributes the most (100/100, 16.57%); loan quality contributes the least (0/100, 3.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.57%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.79%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 77.3% · 39.0% uninsured
Problem-loan coverage73/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 13.25%

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

From Q2 2025 to Q2 2026, the score fell 7 points (68 → 61), mostly because the loan quality component weakened by 27 points.

TellerScore
606977Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202477
Q4 202477
Q1 202574
Q2 202568
Q3 202569
Q4 202563
Q1 202660
Q2 202661
Tier 1 leverage ratio
5.00%10.78%16.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.20%
Q3 202413.79%
Q4 202413.79%
Q1 202514.27%
Q2 202514.26%
Q3 202515.00%
Q4 202515.27%
Q1 202615.69%
Q2 202616.57%
Noncurrent loans
1.12%2.55%3.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.34%
Q3 20241.12%
Q4 20241.12%
Q1 20251.53%
Q2 20252.20%
Q3 20252.44%
Q4 20253.99%
Q1 20263.69%
Q2 20263.79%
Return on assets
1.37%1.57%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.76%
Q4 20241.76%
Q1 20251.55%
Q2 20251.70%
Q3 20251.76%
Q4 20251.68%
Q1 20261.37%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.5B16.57%3.79%1.43%77.3%
Q1 202660$1.5B15.69%3.69%1.37%79.4%
Q4 202563$1.5B15.27%3.99%1.68%76.0%
Q3 202569$1.4B15.00%2.44%1.76%84.0%
Q2 202568$1.5B14.26%2.20%1.70%80.2%
Q1 202574$1.5B14.27%1.53%1.55%78.6%
Q4 202477$1.4B13.79%1.12%1.76%75.3%
Q3 202477$1.4B13.79%1.12%1.76%76.7%
Q2 202472$1.3B13.20%1.34%1.66%75.0%

897 peers · $1 billion – $10 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 ratio16.57%
96th
Total risk-based capital0.00%
13th
Problem loans3.79%
2nd
Net charge-offs0.87%
5th
Return on assets1.43%
66th
Net interest margin4.48%
87th
Efficiency ratio55.1%
62nd
Loans to deposits77.3%
73rd
Uninsured deposits39.0%
29th
Loan-loss reserves1.49%
86th
Texas ratio13.3%
9th

Similar-size banks in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings Bank of Twin FallsBank Twin Falls, ID76 out of 100, Strong$1.4B10.4%0.01%vs
Idaho First BankBank Mccall, ID71 out of 100, Strong$1.4B10.5%0.05%vs
The Bank of CommerceBank Ammon, ID78 out of 100, Strong$2.3B15.7%1.35%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs

Deposit insurance

Is my money safe at Northwest Bank?

Yes. Northwest Bank is an FDIC-insured institution (FDIC certificate #58752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.0% of deposits ($428.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.57%, well 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

Northwest Bank lists 5 offices in 5 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northwest Bank
Former names
Western Capital Bank
Type
State-chartered bank
FDIC certificate #
58752
RSSD ID
3678857
Primary regulator
FDIC
Holding company
Gwy Llc
Established
March 31, 2008
Headquarters
1750 W Front St, Boise, ID 83702
Employees
132

Quick answers

Northwest Bank: common questions

Is Northwest Bank FDIC insured?

Yes. Northwest Bank is an FDIC-insured institution (FDIC certificate #58752). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northwest Bank's TellerScore?

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

Has Northwest Bank ever failed?

There is no failure record for FDIC certificate #58752 in the FDIC failed bank list.

How many branches does Northwest Bank have?

6 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Boise

InstitutionScoreAssetsCapitalProblem loansCompare
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
First Federal Savings Bank of Twin FallsBank Twin Falls, ID76 out of 100, Strong$1.4B10.4%0.01%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs
Trugrocer Federal Credit UnionCredit union Boise, ID73 out of 100, Strong$320.1M16.0%0.81%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs