State Bank Northwest: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 7.6% lower than in Q1 2026, at $21.1M. Among 21 Washington banks, State Bank Northwest sits 2nd from the top on CET1 ratio, 16.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. State Bank Northwest sits 1.72 points higher, at 16.79% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.79% |
| Tier 1 risk-based capital ratio | 16.79% |
| Total risk-based capital ratio | 17.59% |
| Tier 1 leverage ratio | 13.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $30.0M |
| Tier 1 capital | $30.0M |
| Total risk-based capital | $31.4M |
| Total equity capital | $30.0M |
| Risk-weighted assets | $178.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.54% |
| Tangible equity to tangible assets | 14.54% |
| Equity capital to average assets | 13.92% |
| Internal capital growth rate | -21.81% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $827K |
| Common stock surplus | $8.2M |
| Retained earnings | $21.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$118K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.73% | 13.73% | 14.53% | 11.26% | $179.6M |
| Q4 2023 | 15.20% | 15.20% | 16.04% | 11.22% | $170.6M |
| Q1 2024 | 15.35% | 15.35% | 16.16% | 12.42% | $177.4M |
| Q2 2024 | 14.57% | 14.57% | 15.35% | 12.34% | $183.7M |
| Q3 2024 | 14.61% | 14.61% | 15.35% | 12.95% | $192.7M |
| Q4 2024 | 15.14% | 15.14% | 15.91% | 12.42% | $188.0M |
| Q1 2025 | 16.23% | 16.23% | 17.00% | 13.17% | $184.0M |
| Q2 2025 | 15.21% | 15.21% | 15.99% | 12.26% | $185.7M |
| Q3 2025 | 16.26% | 16.26% | 17.05% | 13.39% | $182.5M |
| Q4 2025 | 16.71% | 16.71% | 17.49% | 12.97% | $182.7M |
| Q1 2026 | 17.93% | 17.93% | 18.74% | 14.16% | $177.3M |
| Q2 2026 | 16.79% | 16.79% | 17.59% | 13.93% | $178.7M |
State Bank Northwest regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Northwest, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Bank Northwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2945) · FFIEC NIC profile (RSSD 479071)