State Bank Northwest: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 11.68 percentage points higher than in Q1 2026, at 98.33%. Within Washington, State Bank Northwest is 8th of 29 on loan-to-deposit ratio, 97.43% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank Northwest sits 16.59 points higher, at 97.43% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $21.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $28.2M |
| Fed funds sold and reverse repos | $16.1M |
| Fed funds sold and reverse repos to assets | 7.80% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.43% |
| Net loans and leases to deposits | 96.59% |
| Loans and leases to core deposits | 98.33% |
| Core deposits to total deposits | 99.08% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.03% | 98.42% | $688K | $0 |
| Q4 2023 | 76.08% | 98.67% | $1.1M | $0 |
| Q1 2024 | 80.46% | 97.22% | $1.1M | $0 |
| Q2 2024 | 83.47% | 98.83% | $457K | $0 |
| Q3 2024 | 87.41% | 98.85% | $757K | $0 |
| Q4 2024 | 87.03% | 98.66% | $2.1M | $0 |
| Q1 2025 | 84.64% | 98.99% | $0 | $0 |
| Q2 2025 | 90.68% | 99.14% | $0 | $0 |
| Q3 2025 | 86.61% | 98.74% | $0 | $0 |
| Q4 2025 | 83.02% | 98.78% | $0 | $0 |
| Q1 2026 | 85.92% | 99.16% | $0 | $0 |
| Q2 2026 | 97.43% | 99.08% | $0 | $0 |
State Bank Northwest liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Northwest, freeSource: Call Report Schedules RC and RC-M, 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)