State Bank Northwest: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank Northwest of Spokane Valley, WA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.21% | 1.34% | +0.87% | 90th top |
| ROAE | 15.45% | 13.31% | +2.14% | 68th above |
| Net Interest Margin | 5.92% | 3.93% | +1.99% | 98th top |
| Efficiency Ratio | 64.23% | 61.14% | +3.09% | 41st below |
| PPNR / Avg Assets | 2.21% | 1.68% | +0.53% | 80th top |
| Yield on Earning Assets | 6.21% | 5.67% | +0.54% | 78th top |
| Cost of Funds | 0.31% | 1.88% | -1.57% | 99th top |
| Net Interest Spread | 5.63% | 3.32% | +2.31% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.34% | 0.94% | -0.60% | 54th above |
| NPA / Total Assets | 0.28% | 0.70% | -0.42% | 53rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.86% | 1.28% | -0.42% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 248.61% | 1538.95% | -1290.34% | 54th above |
| Texas Ratio | 1.83% | 7.33% | -5.50% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.50% | -2.71% | 62nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.79% | 19.54% | -2.75% | 62nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.59% | 20.62% | -3.03% | 60th above |
| Leverage Ratio | 13.93% | 12.14% | +1.79% | 81st top |
| Equity / Assets | 14.54% | 11.37% | +3.17% | 87th top |
| TCE / Tangible Assets | 14.54% | 11.09% | +3.45% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.43% | 80.63% | +16.80% | 14th bottom |
| Core Deposit Ratio | 99.08% | 86.86% | +12.22% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.11% | 6.85% | -13.96% | 3rd bottom |
| Loan Growth (Y/Y) | -2.42% | 7.90% | -10.32% | 14th bottom |
| Deposit Growth (Y/Y) | -9.18% | 6.29% | -15.47% | 3rd bottom |
See State Bank Northwest's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank Northwest, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Bank Northwest profile, how to read a UBPR, or how this data updates.