Spokane, WA · Cert 1281 · W T B Financial Corp.
State charter, non-member · FDIC · 44 branches
Q2 2026
Market Position · Spokane-Spokane Valley, WA · 2026 SOD (annual) · 31.8% share · #1 of 17 inst. · $3.5B of $10.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 1.03% | 1.15% | 1.22% | 1.15% | +41 bps | |
| Return on Equity | 8.56% | 11.64% | 12.71% | 13.31% | 12.26% | +370 bps | |
| Net Interest Margin | 3.22% | 3.47% | 3.68% | 3.65% | 3.68% | +46 bps | |
| Efficiency Ratio | 70.01% | 74.37% | 67.99% | 65.76% | 67.59% | -243 bps | |
| Non-Interest Burden | 2.07% | 2.42% | 2.30% | 2.15% | 2.27% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.05% | -3.84% | -0.42% | -0.03% | -1.31% | -26 bps | |
| Loan Growth (YoY) | 8.09% | 7.13% | 6.75% | 3.56% | 2.10% | -600 bps | |
| Deposit Growth (YoY) | 8.74% | 2.41% | 1.39% | 1.72% | 1.69% | -705 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.74% | 0.74% | 0.71% | 0.73% | -23 bps | |
| Net Charge-Offs / Loans | 0.78% | -0.33% | 0.05% | 0.10% | 0.01% | -77 bps | |
| Allowance / Loans | 2.13% | 2.11% | 2.10% | 2.07% | 2.07% | -6 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.9x | 2.9x | 2.9x | 2.9x | +0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 9.24% | 9.30% | 9.59% | 9.73% | +58 bps | |
| Total Risk-Based Capital | 12.81% | 12.80% | 12.94% | 13.23% | 13.17% | +36 bps | |
| Equity / Assets | 8.75% | 8.99% | 9.05% | 9.24% | 9.57% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.30% | 83.81% | 82.24% | 82.51% | 84.64% | +34 bps | |
| Liquid Assets / Assets | 25.51% | 24.99% | 25.98% | 26.74% | 24.00% | -152 bps | |
| CRE / Total Capital | n/a | 350% | 348% | 341% | n/a | n/a | |