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State Bank Northwest

Spokane Valley, WA · Cert 2945 · State Bcorp Northwest

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

89

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Bank Northwest

Spokane Valley, WA · Cert 2945 · State Bcorp Northwest

State charter, non-member · FDIC · 6 branches

Q2 2026

$206.4MAssets
$166.8MLoans
$171.2MDeposits
$30.0MEquity
Loan mix
87%RE $111.0M12%C&I $15.8M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $98.0M43%Noninterest $73.1MQ2 2025Q2 2026

NIM

6.04%Q2 ’245.85%Q2 ’255.75%Q2 ’26-5%-1%

Non-interest income vs. expense

3.93%Q2 ’243.72%Q2 ’253.85%Q2 ’26-3%-3%

Market Position · Spokane-Spokane Valley, WA · 2026 SOD (annual) · 1.2% share · #12 of 17 inst. · $0.1B of $10.9B

1.3% Spokane
4.3% Whitman

Executive Summary

  • Earnings: ROA of 1.82%, down 4 bps year over year; NIM at 5.48%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.93%, up 166 bps from a year ago.
  • Funding: loans stand at 97.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.82%-4 bps YoY

Net Interest Margin (YTD, annualized)

5.48%-4 bps YoY

Efficiency Ratio (YTD, annualized)

61.90%+35 bps YoY

Tier 1 Leverage Ratio

13.93%+166 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.92%1.74%1.88%1.82%-4 bps
Return on Equity14.62%14.90%13.48%13.74%13.04%-158 bps
Net Interest Margin5.52%5.79%5.27%5.28%5.48%-4 bps
Efficiency Ratio61.55%60.88%64.35%59.59%61.90%+35 bps
Non-Interest Burden3.20%3.31%3.14%2.85%3.10%-9 bps
Growth
Asset Growth (YoY)-2.32%-1.88%2.64%-3.10%-7.11%-480 bps
Loan Growth (YoY)4.99%-3.53%-1.81%-3.53%-2.42%-741 bps
Deposit Growth (YoY)-3.37%-2.64%2.94%-4.97%-9.18%-581 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.05%0.05%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.83%0.87%0.88%0.90%0.86%+2 bps
Allowance Coverage of NPLsn/an/an/a18.5x18.5xn/a
Capital
Tier 1 Leverage Ratio12.26%13.39%12.97%14.16%13.93%+166 bps
Total Risk-Based Capital15.99%17.05%17.49%18.74%17.59%+161 bps
Equity / Assets12.69%13.18%13.20%14.25%14.54%+184 bps
Liquidity & Funding
Loans / Deposits90.68%86.61%83.02%85.92%97.43%+674 bps
Liquid Assets / Assets1.92%1.50%1.95%1.46%1.83%-9 bps
CRE / Total Capitaln/a206%210%189.73%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Bank Northwest

Spokane Valley, WA · Cert 2945 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · State Bcorp Northwest

State charter, non-member · FDIC · 6 branches

Q2 2026

$206.4MAssets
$166.8MLoans
$171.2MDeposits
$30.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 42% of banks under $1B in assets operating in a single state (rank 315 of 746).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.94%

Rank 49 of 746

Net Interest Margin

5.48%

Rank 12 of 746

Efficiency Ratio

61.90%

Rank 315 of 746

Equity / Assets

14.54%

Rank 114 of 746

Non-interest income vs. expense

$1.6M$8.3MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state
Bank 61.90%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.94%0.72%1.06%1.45%Beats 93%49 / 746
Return on Equity13.37%6.74%10.51%13.63%Beats 72%207 / 746
Net Interest Margin5.48%3.17%3.68%4.16%Beats 98%12 / 746
Efficiency Ratio61.90%55.74%64.58%75.47%Beats 58%315 / 746
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.42%1.07%Beats 78%163 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio16.79%11.55%13.75%17.60%Beats 71%216 / 746
Total Risk-Based Capital Ratio17.59%11.71%14.33%18.43%Beats 71%214 / 746
Equity / Assets14.54%8.90%10.51%13.06%Beats 85%114 / 746
Liquidity & Funding
Loans / Deposits97.43%61.31%78.27%90.78%88th pctl92 / 746
Loans / Assets80.80%53.60%66.97%76.08%87th pctl96 / 746
Brokered Deposits / Depositsn/aNot reported for this institution