Spokane Valley, WA · Cert 2945 · State Bcorp Northwest
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Spokane-Spokane Valley, WA · 2026 SOD (annual) · 1.2% share · #12 of 17 inst. · $0.1B 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 | 1.92% | 1.57% | 1.96% | 1.87% | 1.92% | 1.74% | 1.88% | 1.82% | -4 bps | |
| Return on Equity | 16.02% | 12.97% | 15.29% | 14.62% | 14.90% | 13.48% | 13.74% | 13.04% | -158 bps | |
| Net Interest Margin | 5.86% | 5.55% | 5.50% | 5.52% | 5.79% | 5.27% | 5.28% | 5.48% | -4 bps | |
| Efficiency Ratio | 61.10% | 68.27% | 58.94% | 61.55% | 60.88% | 64.35% | 59.59% | 61.90% | +35 bps | |
| Non-Interest Burden | 3.34% | 3.60% | 3.00% | 3.20% | 3.31% | 3.14% | 2.85% | 3.10% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | 0.28% | 6.12% | -2.32% | -1.88% | 2.64% | -3.10% | -7.11% | -480 bps | |
| Loan Growth (YoY) | 9.67% | 12.42% | 11.82% | 4.99% | -3.53% | -1.81% | -3.53% | -2.42% | -741 bps | |
| Deposit Growth (YoY) | -4.61% | -1.72% | 6.30% | -3.37% | -2.64% | 2.94% | -4.97% | -9.18% | -581 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.84% | 0.87% | 0.86% | 0.83% | 0.87% | 0.88% | 0.90% | 0.86% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 18.5x | 18.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.95% | 12.42% | 13.17% | 12.26% | 13.39% | 12.97% | 14.16% | 13.93% | +166 bps | |
| Total Risk-Based Capital | 15.35% | 15.91% | 17.00% | 15.99% | 17.05% | 17.49% | 18.74% | 17.59% | +161 bps | |
| Equity / Assets | 12.25% | 12.62% | 12.95% | 12.69% | 13.18% | 13.20% | 14.25% | 14.54% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.41% | 87.03% | 84.64% | 90.68% | 86.61% | 83.02% | 85.92% | 97.43% | +674 bps | |
| Liquid Assets / Assets | 14.99% | 5.14% | 5.14% | 1.92% | 1.50% | 1.95% | 1.46% | 1.83% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 210% | 189.73% | n/a | n/a | |