2.40%
−3.4%y/y
Peer standing94th percentile
FDIC
NETINC + ROASB
State Bank Northwest
Spokane Valley, WashingtonFDIC Cert #2945
STATEEstablished 19026 branches
Holding company: STATE BCORP NORTHWESTRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
17.49%
−10.0%y/y
Peer standing83rd percentile
FDIC
NETINC + ROE2.40%
−3.4%y/y
Peer standing91st percentile
FDIC
PTAXNETINC + ASSET5.60%
−5.9%y/y
Peer standing97th percentile
FDIC
NIM + NIMY5.90%
−6.5%y/y
Peer standing66th percentile
FDIC
INTINCY0.61%
−12.4%y/y
Peer standing99th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
59.59%
+1.1%y/y
Peer standing65th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.54%
−0.8%y/y
Peer standing14th percentile
FDIC
NONIX + ASSET12.14%
+28.2%y/y
Percentile by value72nd percentileby value
FDIC
NONII + NIM−3.10%
−150.6%y/y
Percentile by value8th percentileby value
FDIC
ASSET−4.97%
−178.9%y/y
Percentile by value6th percentileby value
FDIC
DEP−3.57%
−129.9%y/y
Percentile by value11th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.40%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE17.49%83rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY5.60%97th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.59%65th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−4.97%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−3.57%11th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%76th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ14.16%79th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.61%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC88%48th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.40%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.34%Median 0.96%90th 1.47%Observations 30
ROE
FDIC
NETINC + ROE17.49%97th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.96%Median 8.71%90th 15.41%Observations 30
NIM
FDIC
NIM + NIMY5.60%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.68%Median 3.68%90th 4.69%Observations 30
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.59%69th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.23%Median 65.30%90th 95.89%Observations 30
Deposits YoY
FDIC
DEP−4.97%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.91%Median +3.29%90th +24.93%Observations 30
Loans YoY
FDIC
LNLSNET−3.57%21st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.22%Median +2.31%90th +14.53%Observations 30
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%90th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.53%90th 1.67%Observations 30
Leverage
FDIC
RBC1AAJ14.16%93rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.99%Median 10.66%90th 13.17%Observations 30
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.61%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.26%Median 2.30%90th 3.98%Observations 30
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC88%5th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 114%Median 249%90th 344%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.40%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 0.69%90th 2.09%Observations 5
ROE
FDIC
NETINC + ROE17.49%100th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.37%Median 4.75%90th 16.78%Observations 5
NIM
FDIC
NIM + NIMY5.60%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.50%Median 4.48%90th 5.20%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.59%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 59.71%Median 77.85%90th 95.29%Observations 5
Deposits YoY
FDIC
DEP−4.97%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.97%Median +6.08%90th +52.80%Observations 5
Loans YoY
FDIC
LNLSNET−3.57%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.17%Median +6.01%90th +37.48%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.15%90th 1.28%Observations 5
Leverage
FDIC
RBC1AAJ14.16%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.58%Median 11.12%90th 14.68%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.61%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.79%Median 3.24%90th 4.30%Observations 5
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.