Bank of the Pacific vs State Bank Northwest
Side-by-side bank health comparison using FDIC financial data
Verdict
Bank of the Pacific has a stronger Bank Health Score of 95/100 (A) compared to State Bank Northwest at 92/100 (A), a difference of 3 points. Bank of the Pacific holds a Tier 1 capital ratio of 16.37% and an NPL ratio of 0.19%.
| Metric | Bank of the Pacific | State Bank Northwest |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 95/100 (A)* | 92/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 16.4%* | 14.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 31.6%* | 23.0% |
| Return on Assets Profitability metric (above 1% is strong) | 1.2% | 2.4%* |
| Total Assets | $1.1B | $227M |
| Total Deposits | $986M | $195M |
| Location | Aberdeen, Washington | Spokane Valley, Washington |
Bank of the Pacific has a stronger Bank Health Score of 95/100 (A) compared to State Bank Northwest at 92/100 (A), a difference of 3 points. Bank of the Pacific holds a Tier 1 capital ratio of 16.37% and an NPL ratio of 0.19%.