STATE BANK NORTHWEST

SPOKANE VALLEY, WA | Small | Est. Jan. 1, 1902, midnight | FDIC #2945 | RSSD #479071 | FDIC
Latest Report: 2025-12-31

STATE BANK NORTHWEST is asn small FDIC-insured commercial bank headquartered in SPOKANE VALLEY, WA, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $231M and total deposits of $195M. Profitability stands at 1.55% ROA and 11.72% ROE, with a net interest margin of 5.30%. The bank's CET1 capital ratio is 16.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #2945.

Assets

$231M

Deposits

$195M

Loans

$162M

Equity

$30M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 11.72%
Net Interest Margin (NIM) 5.30%
Yield on Assets 5.64%
Cost of Funds 0.37%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 16.71%
Tier 1 Capital 16.71%
Total Capital Ratio 17.49%
Leverage Ratio 12.97%
Loan-to-Deposit 83.02%

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