State Bank Northwest
State Bank Northwest is an FDIC-insured commercial bank headquartered in Spokane Valley, WA, supervised by the FDIC, with $213.1M in total assets at Q3 2026, down 5.3% from Q3 2025, the 22nd largest of 28 banks headquartered in Washington. It was established in 1902 and holds FDIC certificate 2945. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.04% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2945
- Headquarters
- Spokane Valley, WA
- Established
- 1902
- Total assets, Q3 2026
- $213.1M
- Assets vs Q3 2025
- -5.3%
- Tier 1 leverage ratio, Q3 2026
- 15.04%
- Domestic offices
- 6 branches
- Routing number
- 125101651
- Safety and soundness
- Is State Bank Northwest safe?
- Latest call report
- Q3 2026, FFIEC 051 · State Bank Northwest call report
- Holding company
- STATE BANCORP NORTHWEST
- Asset rank in state
- 22nd of 28 in Washington
State Bank Northwest is one of the more profitable banks of its size. Its balance sheet stood at $213 million at September 30, 2026, down 5.3% from a year earlier; it is based in Spokane Valley, Washington. It earns about $2.45 a year on every $100 of assets, about double the median of $1.30 for the 2,623 banks with $100 million to $1 billion in assets. It also keeps 6.91 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 4.01 cents).
Net income for the quarter slipped 12% from a year earlier, to $1.3 million. Over the same year, loans grew 2.1% and deposits shrank 7.0%.
As of September 30, 2026, State Bank Northwest reported a return on assets of 2.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, State Bank Northwest is the 22nd largest of the 28 banks headquartered in Washington. Between Q2 2026 and Q3 2026, its total assets rose 3.2% to $213.1M, loans rose 0.7% and deposits rose 3.1%. The largest part of its loan book on September 30, 2026 was agricultural production loans, at 22.1% of total loans, ahead of owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in WA; its Spokane office books 44% of its branch deposits. Judged on its Q3 2026 call report, State Bank Northwest meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12902 E Sprague Ave, Spokane Valley, WA 99216
- County
- Spokane
- Metro Area
- Spokane-Spokane Valley, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- 1902
- Former names
- State National Bank (2004-2007)
- Domestic offices
- 6 branches
- Employees (FTE)
- 40
- Domestic deposits
- $176.6M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $208.6M
- Average total loans
- $169.9M
- Average interest-bearing deposits
- $97.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2945
- Fed RSSD
- 479071
- SEC CIK
- 1538933 → filed by STATE BANCORP NORTHWEST
- Parent Holding Company
- STATE BANCORP NORTHWEST (RSSD 3658729)
Profitability
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Watch State Bank Northwest: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, State Bank Northwest reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, State Bank Northwest's total assets ran between $206.4M (Q2 2026) and $231.0M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$213.1M total assets against $224.9M; $181.9M total liabilities against $195.2M.
$166.4M net loans and leases against $163.0M; $176.6M total deposits against $189.8M.
$7.0M securities against $5.3M; $5.6M cash and balances due against $6.0M.
$3.5M total interest income against $3.5M; $148K total interest expense against $182K.
$3.3M net interest income against $3.3M.
$7K total noninterest income against $313K; $2.1M total noninterest expense against $2.1M.
No provision recorded in the last 12 quarters.
$1.3M net income against $1.4M.
2.45% return on assets against 2.61%; 6.91% net interest margin against 6.41%.
15.04% tier 1 leverage ratio against 13.39%.
Inside the full State Bank Northwest terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeState Bank Northwest rankings
Its closest position to the top of a national ranking is 190 of 3,627, for ROA; its furthest is 3,155 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 0.64% (Q4 2024) to 2.61% (Q3 2025) and its net interest margin ran from 5.13% (Q4 2025) to 6.91% (Q3 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.04% | 2.45% | 0.00% | 0.24% | 6.91% |
| Q2 2026 | 13.93% | 2.21% | 0.05% | 0.25% | 5.92% |
| Q1 2026 | 14.16% | 2.43% | 0.05% | 0.23% | 5.71% |
| Q4 2025 | 12.97% | 1.50% | 0.00% | 0.00% | 5.13% |
| Q3 2025 | 13.39% | 2.61% | 0.00% | 0.00% | 6.41% |
| Q2 2025 | 12.26% | 2.20% | 0.00% | 0.00% | 6.15% |
| Q1 2025 | 13.17% | 2.49% | 0.00% | 0.00% | 6.19% |
| Q4 2024 | 12.42% | 0.64% | 0.00% | 0.00% | 6.12% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Pointe Branch | Spokane , WA | 99218 | $76.1M |
| State Bank Northwest (main office) | Spokane Valley , WA | 99216 | $47.6M |
| Garfield Branch | Garfield , WA | 99130 | $20.9M |
| Rockford Branch | Rockford , WA | 99030 | $10.2M |
| Colfax Branch | Colfax , WA | 99111 | $9.9M |
| Palouse Branch | Palouse , WA | 99161 | $6.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 9 against individuals associated with it
- July 17, 2001, OCC: Formal Agreement: The State National Bank of Garfield
- July 17, 1995, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The State National Bank Of Garfield
- March 1, 1994, OCC: Formal Agreement: State National Bank Of Garfield
- Period: Most recent institution action July 17, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WA, rank 43 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank Northwest
What are State Bank Northwest's total assets?
As of the Q3 2026 filing, State Bank Northwest reported total assets of $213.1 million in its FFIEC call report.
Where is State Bank Northwest headquartered?
It is headquartered in Spokane Valley, WA, United States.
When was State Bank Northwest founded?
It was established in 1902, per the FDIC institution directory.
Is State Bank Northwest FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank Northwest?
State Bank Northwest's primary federal regulator is the FDIC.
How many branches does State Bank Northwest operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank Northwest's Texas Ratio?
Its Texas Ratio is 0.24% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was State Bank Northwest previously called?
The charter now named State Bank Northwest has also operated as State National Bank (2004-2007), per FDIC structure-change records.
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