Bank Northwest


201 South Davis Street
Hamilton, MO 64644
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 0.85% →
1-Year CD 0.50% 0.75% →
2-Year CD 0.65% 0.80% →
5-Year CD 1.40% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bank Northwest is an FDIC insured institution located in Hamilton, MO. It was founded in 1945 and has approximately $0.2 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 16601
Date Established 1945
Assets $ 195.98 million
Loans $ 130.43 million
Deposits $ 178.27 million
Capital $ 17.51 million

For a more detailed analysis of Bank Northwest's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.25% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.40% $10,000 $14,999 Learn More
60 Mo CD
1.40% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank Northwest

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.936% 2.875%
0.75 points
$1,960 fees
$1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Bank Northwest
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Climate Initiatives

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Financial Details

Bank Northwest Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank Northwest. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank Northwest U.S. Bank Average
1.96% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Bank Northwest had $265,000 in non-current loans and $97,000 in owned real estate. To cover these potential losses it had $17,509,000 in equity and $1,001,000 in loans loss reserves. That gives it a Texas Ratio of 1.96%.

Return on Equity
Bank Northwest U.S. Bank Average
38.36% 11.29%

Bank Northwest has a Return on Equity of 38.36% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank Northwest U.S. Bank Average
8.93% 11.72%

Bank Northwest has a Capitalization of 8.93% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank Northwest Balance Sheet Analysis

As of June 30, 2021, Bank Northwest had assets of $195,983,000, loans of $130,434,000, and deposits of $178,265,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 18.48 million
Interest-bearing balances $ 10.22 million
Total securities $ 16.70 million
Federal funds sold and reverse repurchase $ 23.52 million
Net loans and leases $ 130.43 million
Loan loss allowance $ 1.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles $ 0.12 million
All other assets $ 2.45 million
     Total Assets $ 178.47 million
Total deposits $ 178.27 million
      Interest-bearing deposits $ 117.55 million
      Deposits held in domestic offices $ 178.27 million
      % insured (estimated) 74.10%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.21 million
      Total Liabilities $ 178.47 million
      Shareholders’ Equity $ 17.51 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 5.43 million
Total Interest Expense $ 0.40 million
Net interest income $ 5.03 million
Provision for loan and lease losses $ 0.09 million
Total non interest income $ 0.26 million
Total non interest expense $ 1.83 million
Pre-tax Net Operating Income $ 3.38 million

Bank Loan Profile?

The top three loan types in Bank Northwest’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, Bank Northwest has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.31
Credit Card Loans 0.00
Consumer Auto Loans 2.60
Small Business Loans 4.38
Construction and Development Loans 2.89
Commercial Real Estate 9.99
Commercial and Industrial Loans 21.30
Farm Loans 15.79

Frequently Asked Questions About Bank Northwest

Branches and Savings

Is Bank Northwest FDIC insured?

Yes. It is covered under FDIC Certificate #16601.

Why does Bank Northwest pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Northwest CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Northwest a commercial bank?


Where are Bank Northwest locations?

See branch locations nearby.

Is Bank Northwest open on Saturdays?

Is Bank Northwest open on Sundays?

What time does Bank Northwest open?

What time does Bank Northwest close?

Are Bank Northwest ATMs Open 24/7?

Do Bank Northwest ATMs accept cash deposits?

Can Bank Northwest customers use other ATMs?

Do Bank Northwest branches have notaries?

Will Bank Northwest notarize my document?

What address for Bank Northwest should I put for incoming ACH transfers?

Will the Bank Northwest branch print checks?

Do Bank Northwest checks expire?

Does Bank Northwest require US citizenship to open account?

Can Bank Northwest close my account?

Does Bank Northwest Report to credit bureaus?

Does Bank Northwest Use Equifax?

What is Bank Northwest's ACH Routing Number?

What is Bank Northwest's SWIFT code?


Does Bank Northwest offer mortgages?

Compare mortgage rates here.

Does Bank Northwest offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Northwest offer personal loans?

Compare personal loan rates here.

Does Bank Northwest offer student loans?

Will Bank Northwest cash a check?

Will Bank Northwest redeem a savings bond?

Does Bank Northwest cash savings bonds?

Will Bank Northwest cash money orders?

Can Bank Northwest issue a money order?

Does Bank Northwest do currency exchange?

Background on The Bank

Who owns Bank Northwest?

How long has Bank Northwest been around?

Can Bank Northwest transfer to other banks?

Does Bank Northwest have quick pay?

Does Bank Northwest accept rolled coins?

Will Bank Northwest accept loose change?

Where is Bank Northwest headquarters?

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