BlastPoint's Banking Scorecard

State Bank Northwest

$100M-$1B Specialty: Agricultural WA FDIC cert 2945

Spokane Valley, WA

6 branches across WA

2664 banks in the $100M-$1B peer group nationally 10 in WA

State Bank Northwest has 5 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 4.0% in tier
+ Credit Quality Leader: Top 4.5% in tier
+ Revenue Diversifier: Top 28.8% in tier
+ Return on Assets 1.13% above tier average
+ Efficiency Ratio 5.70% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.2% in tier
- Deposit Outflow: Bottom 17.6% in tier
- Capital Constraint: Bottom 35.2% in tier
- Liquidity Overhang: Bottom 38.7% in tier

Get updates when State Bank Northwest releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$223.0M -3.1% YoY -3.5% QoQ	-$163.1M	$386.1M +0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$157.9M -3.6% YoY -1.5% QoQ	-$97.9M	$255.7M +1.1% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$185.4M -5.0% YoY -4.8% QoQ	-$142.6M	$328.0M +0.1% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	2.40% -3.4% YoY +8.6% QoQ	+1.13%	1.27% +12.9% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	Top 5.7% in tier
Net Interest Margin ?	5.60% -5.9% YoY -5.7% QoQ	+1.67%	3.93% +6.0% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	Top 2.4% in tier
Efficiency Ratio ?	59.59% +1.1% YoY -7.4% QoQ	-5.70%	65.29% -4.5% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.05%	-0.84%	0.89% +18.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	85.15% +1.5% YoY +3.5% QoQ	+8.51%	76.64% +0.8% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	45.47% -1.4% YoY -4.4% QoQ	+23.45%	22.02% -1.0% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	Top 2.7% in tier
Nonperforming Asset Ratio ?	0.03%	-0.60%	0.64% +19.7% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	17.93% +10.5% YoY +7.3% QoQ	+2.10%	15.83% +1.5% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.18% +29.5% YoY -74.1% QoQ	-0.10%	0.28% +9.3% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Deposit Franchise

growth

#12 of 272 • Top 4.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 45.47%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.60%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Credit Quality Leader

growth

#31 of 664 • Top 4.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#193 of 666 • Top 28.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.40%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk

#122 of 1308 • Bottom 9.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Deposit Outflow

decline

#90 of 506 • Bottom 17.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#39 of 108 • Bottom 35.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.15%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 17.93%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Liquidity Overhang

risk

#287 of 739 • Bottom 38.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.93%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.15%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 5.60%

Peer Median: 3.93%

#65 of 2664 Top 2.4% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.47%

Peer Median: 22.02%

#73 of 2664 Top 2.7% in $100M-$1B

154

Return on Assets

profitability

Value: 2.40%

Peer Median: 1.27%

#154 of 2664 Top 5.7% in $100M-$1B

464

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#464 of 2664 Top 17.4% in $100M-$1B

514

Tier 1 Capital Ratio

capital

Value: 17.93%

Peer Median: 15.83%

#514 of 2664 Top 19.3% in $100M-$1B

527

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#527 of 2664 Top 19.7% in $100M-$1B

545

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#545 of 2654 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available