State Bank Northwest
Spokane Valley, WA
IDRSSD: 479071
Total Assets
$230.97M
Latest filing
Total Deposits
$194.77M
Latest filing
Net Interest Margin
5.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
State Bank Northwest
12902 E Sprague Ave
Spokane Valley, WA 99216
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1902FDIC Certificate 1878
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| State Bank Northwest (Main) | 12902 E Sprague Ave | Spokane Valley, WA |
| NORTH POINTE BRANCH | 9727 N Nevada St | Spokane, WA |
| GARFIELD BRANCH | 301 W California St | Garfield, WA |
| ROCKFORD BRANCH | 5 W Emma St | Rockford, WA |
| COLFAX BRANCH | 224 N Main St | Colfax, WA |
| PALOUSE BRANCH | 305 E Main St | Palouse, WA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 99216 |
| State and County Number | 53063 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Spokane-Spokane Valley, WA |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.StateBankNorthwest.com |
| Data Updated | 01/30/2026 |
| CERT | 2945 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $230.97M |
| Total Deposits | $194.77M |
| Total Liabilities | $200.49M |
| Total Equity Capital | $30.49M |
| Net Income | $881.00k |
| Net Loans and Leases | $160.27M |
| Assets Per Employee ($Millions) | $5.92M |
| Bank Premises and Fixed Assets | $4.88M |
| Cash and Balances due from Depository Institutions | $7.12M |
| Deposits Held in Domestic Offices | $194.77M |
Key Performance Ratios
| Return on Assets (ROA) | 1.55% |
| Return on Equity (ROE) | 11.72% |
| Net Interest Margin | 5.28% |
| Efficiency Ratio | 74.81% |
| Tier 1 Risk-Based Capital Ratio | 16.709% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.199% |
| Earning Assets to total Assets | 93.06% |
Income and Expense
| Total Interest Income | $2.96M |
| Total Noninterest Income | $717.00k |
| Total Interest Expense | $177.00k |
| Total Noninterest Expense | $2.62M |
| Net Interest Income | $2.78M |
| Pre-tax Net Operating Income | $881.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $45.11M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.71M |
| Total Liabilities and Capital | $230.97M |
Securities
| Securities | $6.07M |
| Available-for-sale debt securities | $5.07M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank Northwest?
$230.97M as of the latest filing.
How much are State Bank Northwest's total deposits?
$194.77M in total deposits.
Where is State Bank Northwest located?
Spokane Valley, WA.
What is the Net Interest Margin?
5.28%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1902.
What is the Return on Assets (ROA)?
1.55%.
How much are total loans and leases?
$160.27M (latest filing).
What is the total interest income (latest filing)?
$2.96M.