BlastPoint's Banking Scorecard
State Bank Northwest
Micro
Specialty: Agricultural
WA
FDIC cert 2945
Designations: ✓ Community bank
Spokane Valley, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
State Bank Northwest demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.12% above tier
- + Net Interest Margin 2.09% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 25.15% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$231.0M
+2.6% YoY
+2.7% QoQ
|
+$13.5M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$160.3M
-1.8% YoY
-1.6% QoQ
|
+$21.1M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$194.8M
+2.9% YoY
+2.6% QoQ
|
+$11.1M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
2.21%
+11.1% YoY
-9.4% QoQ
|
+1.12% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.94%
-4.7% YoY
-4.1% QoQ
|
+2.09% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
64.35%
-5.7% YoY
+5.7% QoQ
|
-3.37% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
82.28%
-4.6% YoY
-4.2% QoQ
|
+7.76% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
47.55%
-1.6% YoY
+5.6% QoQ
|
+25.15% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.71%
+10.3% YoY
+2.8% QoQ
|
+7.86% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.71%
+18.1% YoY
+73.4% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.94%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.55%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.55% · Tier avg: 22.39%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.71% · Tier avg: 8.85%
64
64th pctile
Total Loans
Current: $160.3M · Tier avg: $139.2M
58
58th pctile
Total Assets
Current: $231.0M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $194.8M · Tier avg: $183.7M
55
55th pctile
Efficiency Ratio
Current: 64.35% · Tier avg: 67.73%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.28% · Tier avg: 74.53%
Top Weaknesses
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.28% · Tier avg: 74.53%
55
55th pctile
Efficiency Ratio
Current: 64.35% · Tier avg: 67.73%
58
58th pctile
Total Deposits
Current: $194.8M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $231.0M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $160.3M · Tier avg: $139.2M
78
78th pctile
Tier 1 Capital Ratio
Current: 16.71% · Tier avg: 8.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
94
94th pctile
Return on Assets
Current: 2.21% · Tier avg: 1.08%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.55% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.94% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%