Northwest Bank: how it compares with its peers
Against 126 U.S. banks with half to twice its assets, Northwest Bank's strongest measure in Q2 2026 is net interest margin (3.88% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $11.0M).
| Measure | Northwest Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.30% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.68% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.39% | 54.27% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $11.0M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.03% | 86.21% | Context |
What it means for lending operations
Its efficiency ratio of 55.39% is above the 54.27% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Enterprise Bank & Trust Clayton, MO · $17.36B
- Community Bank, National Association Canton, NY · $17.45B
- Toyota Financial Savings Bank Henderson, NV · $16.79B
- FirstBank Nashville, TN · $16.76B
- First United Bank and Trust Company Durant, OK · $16.59B
- Banner Bank Walla Walla, WA · $16.59B
Questions about Northwest Bank
How big is Northwest Bank?
Northwest Bank, established in 1896, is headquartered in Warren, PA. It reported $17.21B in total assets in its Q2 2026 FDIC call report and operates 165 offices.
What is Northwest Bank's return on assets?
1.32% annualized in Q2 2026, against a 1.30% median for 126 U.S. banks with half to twice its assets, ahead of 52% of them.
What is Northwest Bank's efficiency ratio?
55.39% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 54.27%, and lower is better.
Is Northwest Bank growing its loans?
Net loans grew 16.7% over the year to Q2 2026, while deposits grew 15.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.