State Bank Northwest: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 11.51 percentage points higher than in Q1 2026, at 97.43%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $166.8M |
| Net loans and leases | $165.3M |
| Loans held for sale | $0 |
| Loans to total assets | 80.80% |
| Loan-to-deposit ratio | 97.43% |
| Net loans to equity capital | 5.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.31% |
| Multifamily (5+ residential) | 3.44% |
| Commercial and industrial | 9.82% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 13.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.92% |
| Construction concentration (Tier 1 capital + allowance) | 24.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.75% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $155.4M | $204.4M | 18.41% | 12.68% | 0.14% |
| Q4 2023 | $146.5M | $192.5M | 23.71% | 12.36% | 0.19% |
| Q1 2024 | $147.7M | $183.5M | 25.96% | 13.03% | 0.21% |
| Q2 2024 | $162.8M | $195.0M | 26.66% | 12.07% | 0.78% |
| Q3 2024 | $170.4M | $194.9M | 26.30% | 10.58% | 0.17% |
| Q4 2024 | $164.7M | $189.2M | 25.50% | 10.77% | 0.17% |
| Q1 2025 | $165.1M | $195.1M | 26.86% | 10.44% | 0.18% |
| Q2 2025 | $170.9M | $188.5M | 25.24% | 9.31% | 0.14% |
| Q3 2025 | $164.4M | $189.8M | 25.80% | 10.51% | 0.14% |
| Q4 2025 | $161.7M | $194.8M | 29.65% | 10.22% | 0.12% |
| Q1 2026 | $159.3M | $185.4M | 29.40% | 9.89% | 0.11% |
| Q2 2026 | $166.8M | $171.2M | 28.31% | 9.82% | 0.84% |
State Bank Northwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Northwest, freeSource: Call Report Schedule RC-C, 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)