State Bank Northwest (FDIC certificate #2945) is based in Spokane Valley, Washington. Its Q1 2026 call report shows $223.0M in total assets and $185.4M in deposits and 6 offices.
Based on its Q1 2026 filing, State Bank Northwest scores 91/100, which we describe as very strong. That is higher than 96% of 2,684 banks with $100 million – $1 billion. Among 30 banks headquartered in Washington, it ranks 1st. Its strongest component is earnings (100/100; 2.40%), and its lowest is funding & liquidity (58/100; 85% loans-to-deposits, 31% uninsured).
TellerScore · Q1 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
8 quarters
Health trend
From Q1 2025 to Q1 2026, the score rose 3 points (88 → 91), mostly because the capital cushion component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 88 |
| Q4 2024 | 86 |
| Q1 2025 | 88 |
| Q2 2025 | 85 |
| Q3 2025 | 89 |
| Q4 2025 | 88 |
| Q1 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.34% |
| Q3 2024 | 12.95% |
| Q4 2024 | 12.42% |
| Q1 2025 | 13.17% |
| Q2 2025 | 12.26% |
| Q3 2025 | 13.39% |
| Q4 2025 | 12.97% |
| Q1 2026 | 14.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.42% |
| Q3 2024 | 2.44% |
| Q4 2024 | 1.99% |
| Q1 2025 | 2.48% |
| Q2 2025 | 2.37% |
| Q3 2025 | 2.44% |
| Q4 2025 | 2.21% |
| Q1 2026 | 2.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q1 2026 | 91 | $223.0M | 14.16% | 0.05% | 2.40% | 85.1% |
| Q4 2025 | 88 | $231.0M | 12.97% | 0.00% | 2.21% | 82.3% |
| Q3 2025 | 89 | $224.9M | 13.39% | 0.00% | 2.44% | 85.9% |
| Q2 2025 | 85 | $222.2M | 12.26% | 0.00% | 2.37% | 89.9% |
| Q1 2025 | 88 | $230.1M | 13.17% | 0.00% | 2.48% | 83.9% |
| Q4 2024 | 86 | $225.0M | 12.42% | 0.00% | 1.99% | 86.3% |
| Q3 2024 | 88 | $229.2M | 12.95% | 0.00% | 2.44% | 86.7% |
| Q2 2024 | 86 | $227.5M | 12.34% | 0.00% | 2.42% | 82.7% |
2,684 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Liberty BankBank Poulsbo, WA | 57 out of 100, Moderate | $199.8M | 9.3% | 0.15% | vs |
| RiverBankBank Spokane, WA | 71 out of 100, Strong | $283.7M | 11.1% | 0.71% | vs |
| Pacific Crest BankBank Lynnwood, WA | 66 out of 100, Moderate | $318.7M | 11.0% | 0.49% | vs |
| Increase BankBank Longview, WA | 82 out of 100, Strong | $114.6M | 15.0% | 0.00% | vs |
| Portage BankBank Bellevue, WA | 34 out of 100, Low | $113.8M | 8.0% | 1.67% | vs |
| UniBankBank Lynnwood, WA | 51 out of 100, Below average | $401.8M | 7.2% | 0.56% | vs |
Deposit insurance
Is my money safe at State Bank Northwest?
Yes. State Bank Northwest is an FDIC-insured institution (FDIC certificate #2945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($57.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.74% (benchmark: 10%).
6 locations
Branches
State Bank Northwest lists 6 offices in 6 cities. Most locations:
- Colfax, WA (1)
- Garfield, WA (1)
- Palouse, WA (1)
- Rockford, WA (1)
- Spokane, WA (1)
- Spokane Valley, WA (1)
Identity & history
Profile
- Legal name
- State Bank Northwest
- Former names
- The State National Bank of Garfield; State National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2945
- RSSD ID
- 479071
- Primary regulator
- FDIC
- Holding company
- State Bcorp Northwest
- Established
- January 1, 1902
- Headquarters
- 12902 E Sprague Ave, Spokane Valley, WA 99216
- Website
- www.statebanknorthwest.com
- Employees
- 39
Quick answers
State Bank Northwest: common questions
Is State Bank Northwest FDIC insured?
Yes. State Bank Northwest is an FDIC-insured institution (FDIC certificate #2945). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank Northwest's TellerScore?
91 out of 100 (Very strong), based on its Q1 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank Northwest ever failed?
There is no failure record for FDIC certificate #2945 in the FDIC failed bank list.
How many branches does State Bank Northwest have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Spokane Valley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bay Shore Credit UnionCredit union Marinette, WI | 92 out of 100, Very strong | $48.2M | 18.6% | 0.27% | vs |
| Responders Emergency Services Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $56.2M | 17.3% | 0.01% | vs |
| Spokane Firefighters Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $86.4M | 14.5% | 0.15% | vs |
| Avista Corp. Credit UnionCredit union Spokane, WA | 86 out of 100, Very strong | $72.5M | 18.0% | 0.08% | vs |
| Delta Schools Federal Credit UnionCredit union Antioch, CA | 81 out of 100, Strong | $66.5M | 10.7% | 0.00% | vs |
| Slo Credit UnionCredit union San Luis Obispo, CA | 77 out of 100, Strong | $29.1M | 14.5% | 0.20% | vs |