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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.52% | 0.64% | 0.69% | 0.81% | 0.89% | 1.22% | 1.19% | +49 bps | |
| Return on Equity | 5.48% | 6.50% | 7.57% | 8.07% | 9.28% | 10.16% | 13.31% | 12.78% | +471 bps | |
| Net Interest Margin | 2.47% | 2.57% | 3.02% | 3.12% | 3.23% | 3.33% | 3.65% | 3.66% | +54 bps | |
| Efficiency Ratio | 81.75% | 79.22% | 74.43% | 72.18% | 72.95% | 71.60% | 65.76% | 66.67% | -550 bps | |
| Non-Interest Burden | 1.91% | 1.91% | 2.08% | 2.08% | 2.18% | 2.21% | 2.15% | 2.20% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.61% | -6.19% | -2.08% | -1.05% | -3.84% | -0.42% | -0.03% | -1.31% | -26 bps | |
| Loan Growth (YoY) | 7.72% | 5.88% | 7.27% | 8.09% | 7.13% | 6.75% | 3.56% | 2.10% | -600 bps | |
| Deposit Growth (YoY) | 7.41% | 8.37% | 9.06% | 8.74% | 2.41% | 1.39% | 1.72% | 1.69% | -705 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 1.09% | 1.03% | 0.96% | 0.74% | 0.74% | 0.71% | 0.73% | -23 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.41% | 0.16% | 0.13% | 0.10% | 0.05% | -36 bps | |
| Allowance / Loans | 2.24% | 2.23% | 2.15% | 2.13% | 2.11% | 2.10% | 2.07% | 2.07% | -6 bps | |
| Allowance Coverage of NPLs | 4.6x | 2.0x | 2.1x | 2.2x | 2.9x | 2.9x | 2.9x | 2.9x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.61% | 8.69% | 9.00% | 9.15% | 9.24% | 9.30% | 9.59% | 9.73% | +58 bps | |
| Total Risk-Based Capital | 12.83% | 13.04% | 12.89% | 12.81% | 12.80% | 12.94% | 13.23% | 13.17% | +36 bps | |
| Equity / Assets | 8.06% | 8.43% | 8.58% | 8.75% | 8.99% | 9.05% | 9.24% | 9.57% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.11% | 78.11% | 81.05% | 84.30% | 83.81% | 82.24% | 82.51% | 84.64% | +34 bps | |
| Liquid Assets / Assets | 30.08% | 29.66% | 27.95% | 25.51% | 24.99% | 25.98% | 26.74% | 24.00% | -152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 350% | 348% | 341% | n/a | n/a | |