| Metric | State Bank Northwest | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +4.4% | -7.5 pts |
| Deposit growth (YoY) | -5.0% | +4.0% | -8.9 pts |
| Loan growth (YoY) | -3.6% | +5.6% | -9.2 pts |
| ROA | 2.40% | 1.24% | +1.2 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $223.0M | $185.4M | $157.9M | $31.8M | $1.4M | 2.40% | 5.60% | 0.03% |
| Q4 2025 | $231.0M | $194.8M | $160.3M | $30.5M | $5.0M | 2.21% | 5.94% | 0.00% |
| Q3 2025 | $224.9M | $189.8M | $163.0M | $29.6M | $4.1M | 2.44% | 6.20% | 0.00% |
| Q2 2025 | $222.2M | $188.5M | $169.5M | $28.2M | $2.7M | 2.37% | 6.14% | 0.00% |
| Q1 2025 | $230.1M | $195.1M | $163.7M | $29.8M | $1.4M | 2.48% | 5.95% | 0.00% |
| Q4 2024 | $225.0M | $189.2M | $163.2M | $28.4M | $4.5M | 1.99% | 6.24% | 0.00% |
| Q3 2024 | $229.2M | $194.9M | $169.0M | $28.1M | $4.1M | 2.44% | 6.26% | 0.00% |
Loan mix (Q1 2026): real estate $111.0M · commercial $15.8M · consumer $169K · securities $7.5M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | State Bank Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 62.9% | 40th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | State Bank Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | State Bank Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | State Bank Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | State Bank Northwest | Trend (7q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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