State Bank Northwest vs Cashmere Valley Bank
Side-by-side bank health comparison using FDIC financial data
State Bank Northwest (A) and Cashmere Valley Bank (A) are close on the BankHealth rubric. Asset bases: $227M versus $2.1B.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
State Bank Northwest has a stronger Bank Health Score of 92/100 (A) compared to Cashmere Valley Bank at 91/100 (A), a difference of 1 points. State Bank Northwest holds a Tier 1 capital ratio of 14.6% and an NPL ratio of 0.00%.
| Metric | State Bank Northwest | Cashmere Valley Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 92/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.6%* | 12.7% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 23.0% | 45.8%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.4%* | 1.6% |
| Total Assets | $227M | $2.1B |
| Total Deposits | $195M | $1.8B |
| Location | Spokane Valley, Washington | Cashmere, Washington |
State Bank Northwest has a stronger Bank Health Score of 92/100 (A) compared to Cashmere Valley Bank at 91/100 (A), a difference of 1 points. State Bank Northwest holds a Tier 1 capital ratio of 14.6% and an NPL ratio of 0.00%.