Bank Safety Analysis
Is State Bank Northwest Safe? Spokane Valley, Washington
Based on its Q3 2026 call report, State Bank Northwest meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.24%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is State Bank Northwest safe?
On its Q3 2026 call report, State Bank Northwest's Community Bank Leverage Ratio is 15.04%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 15.04%
- Texas ratio (Q3 2026): 0.24%
- Noncurrent loans ratio (Q3 2026): 0.00%
State Bank Northwest is an FDIC-insured commercial bank (FDIC Certificate #2945). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report State Bank Northwest (FDIC Certificate #2945) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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State Bank Northwest passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Net interest margin climbed 0.99 percentage points in Q3 2026, from 5.92% to 6.91%. It was the largest change from Q2 2026 among the key lines here. On leverage ratio, State Bank Northwest ranks 2nd highest among the 28 banks headquartered in Washington, at 15.04% (Q3 2026). State Bank Northwest reported 15.04% on leverage ratio for Q3 2026, 3.95 points above the 11.09% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, State Bank Northwest's CET1 ratio ranged between 14.57% (Q2 2024) and 17.93% (Q1 2026) and its Texas ratio ranged between 0.00% (Q4 2025) and 0.25% (Q2 2026). Between Q3 2025 and Q3 2026, State Bank Northwest's nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio rose from 0.00% to 0.24% and return on assets fell from 2.61% to 2.45%.
By total assets at Q3 2026, State Bank Northwest is the 22nd largest of the 28 banks headquartered in Washington. Agricultural production loans are its largest loan category, $37.1M of $167.9M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, State Bank Northwest's community bank leverage ratio of 15.04% is above the 11.09% median, nonperforming loans ratio of 0.00% is below the 0.43% median, Texas ratio of 0.24% is below the 2.96% median, and efficiency ratio of 63.28% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
State Bank Northwest's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does State Bank Northwest score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does State Bank Northwest trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.24% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 95.07% | Within range |
| Commercial real estate to capital supervisory threshold | 90.45% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.02% | Within range |
Capital ratio: last 11 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.79% |
| Q1 2026 | 17.93% |
| Q4 2025 | 16.71% |
| Q3 2025 | 16.26% |
| Q2 2025 | 15.21% |
| Q1 2025 | 16.23% |
| Q4 2024 | 15.14% |
| Q3 2024 | 14.61% |
| Q2 2024 | 14.57% |
| Q1 2024 | 15.35% |
| Q4 2023 | 15.20% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.24% |
| Q2 2026 | 0.25% |
| Q1 2026 | 0.23% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- Agricultural production loans: $37.1M
- Owner-occupied commercial real estate loans: $32.9M
- 1-4 family residential loans: $29.1M
- Commercial and industrial loans: $16.6M
- Non-owner-occupied commercial real estate loans: $16.0M
- Construction and land development loans: $7.9M
- Multifamily loans: $5.7M
- Auto loans: $304K
How have State Bank Northwest's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $213.1M | 15.04% | 0.00% | 0.24% | 63.28% |
| Jun 30, 2026 | $206.4M | 13.93% | 0.05% | 0.25% | 64.23% |
| Mar 31, 2026 | $223.0M | 14.16% | 0.05% | 0.23% | 59.59% |
| Dec 31, 2025 | $231.0M | 12.97% | 0.00% | 0.00% | 74.81% |
| Sep 30, 2025 | $224.9M | 13.39% | 0.00% | 0.00% | 59.59% |
| Jun 30, 2025 | $222.2M | 12.26% | 0.00% | 0.00% | 64.09% |
| Mar 31, 2025 | $230.1M | 13.17% | 0.00% | 0.00% | 58.94% |
| Dec 31, 2024 | $225.0M | 12.42% | 0.00% | 0.00% | 89.67% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is State Bank Northwest FDIC insured?
Yes. State Bank Northwest is an FDIC-insured commercial bank (FDIC Certificate #2945). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is State Bank Northwest well capitalized?
On its Q3 2026 call report, State Bank Northwest's Community Bank Leverage Ratio is 15.04%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are State Bank Northwest's key safety ratios?
For Q3 2026, State Bank Northwest reports leverage 15.04%, Texas ratio 0.24%, noncurrent loans 0.00%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if State Bank Northwest fails?
For Q3 2026, State Bank Northwest reported $176.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full State Bank Northwest profile.
How we score this
State Bank Northwest elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio State Bank Northwest is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 2945) · FFIEC NIC profile (RSSD 479071)
Explore: Full State Bank Northwest profile · Other banks in WA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.