State Bank Northwest: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 16.79% was down 114bps from the prior quarter. State Bank Northwest is a locally rooted FDIC-insured community bank based in Spokane Valley, WA. The Q2 2026 balance sheet stands at $206M in assets, including $167M in loans. Profitability is strong, 2.21% ROA, paired with 15.45% ROE and a 5.92% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 16.79% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.34%. 6 branches make up the footprint.
As of June 30, 2026, State Bank Northwest reported a CET1 capital ratio of 16.79%, a return on assets of 2.21%, a nonperforming-loan ratio of 0.34%, a Texas ratio of 1.83%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 12902 E Sprague Ave, Spokane Valley, WA 99216
- County
- Spokane
- Metro Area
- Spokane-Spokane Valley, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Former names
- State National Bank (2004-2007)
- Offices
- 6 domestic
- Employees (FTE)
- 38
- Domestic deposits
- $171.2M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2945
- Fed RSSD
- 479071
- SEC CIK
- 1538933 → filed by STATE BANCORP NORTHWEST
- Parent Holding Company
- STATE BANCORP NORTHWEST (RSSD 3658729)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full State Bank Northwest terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock State Bank Northwest, freeState Bank Northwest rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.79% | 2.21% | 0.34% | 1.83% | 5.92% |
| Q1 2026 | 17.93% | 2.43% | 0.36% | 1.74% | 5.71% |
| Q4 2025 | 16.71% | 1.50% | 0.32% | 1.62% | 5.13% |
| Q3 2025 | 16.26% | 2.61% | 0.31% | 1.66% | 6.41% |
| Q2 2025 | 15.21% | 2.20% | 0.25% | 1.46% | 6.15% |
| Q1 2025 | 16.23% | 2.49% | 0.26% | 1.39% | 6.19% |
| Q4 2024 | 15.14% | 0.64% | 0.26% | 1.46% | 6.12% |
| Q3 2024 | 14.61% | 2.58% | 0.00% | 0.00% | 6.63% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Pointe Branch | Spokane , WA | 99218 | $76.1M |
| State Bank Northwest (main office) | Spokane Valley , WA | 99216 | $47.6M |
| Garfield Branch | Garfield , WA | 99130 | $20.9M |
| Rockford Branch | Rockford , WA | 99030 | $10.2M |
| Colfax Branch | Colfax , WA | 99111 | $9.9M |
| Palouse Branch | Palouse , WA | 99161 | $6.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 15, 1988 | Failure | Acquired Texas Bank of Plano Failure / assisted resolution for the acquired bank | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for State Bank Northwest, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC); 9 against individuals associated with it
- July 17, 2001, OCC: Formal Agreement: The State National Bank of Garfield
- July 17, 1995, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The State National Bank Of Garfield
- March 1, 1994, OCC: Formal Agreement: State National Bank Of Garfield
- Period: Most recent institution action July 17, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in WA, rank 43 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about State Bank Northwest
What are State Bank Northwest's total assets?
As of the Q2 2026 filing, State Bank Northwest reported total assets of $206.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Bank Northwest headquartered?
State Bank Northwest is headquartered in Spokane Valley, WA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Bank Northwest founded?
State Bank Northwest was established in 1902, per the FDIC institution directory.
Is State Bank Northwest FDIC-insured?
Yes. State Bank Northwest is an FDIC-insured commercial bank (FDIC Certificate #2945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank Northwest?
State Bank Northwest's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Bank Northwest's CET1 capital ratio?
State Bank Northwest reported a Common Equity Tier 1 (CET1) capital ratio of 16.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank Northwest operate?
State Bank Northwest operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank Northwest's Texas Ratio?
State Bank Northwest's Texas Ratio is 1.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was State Bank Northwest previously called?
The charter now named State Bank Northwest has also operated as State National Bank (2004-2007), per FDIC structure-change records.
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