AmericanWest Bank


41 W. Riverside Avenue, Suite 400
Spokane, WA 99201
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

AmericanWest Bank is an FDIC insured institution located in Spokane, WA. It was founded in 1977 and has approximately $4.51 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 22441
Date Established 1977
Assets $ 4.62 billion
Loans $ 2.94 billion
Deposits $ 3.75 billion
Capital $ 578.20 million

For a more detailed analysis of AmericanWest Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AmericanWest Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.052% 2.975%
1.00 points
$2,482 fees
$1,051 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to AmericanWest Bank
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Financial Details

AmericanWest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AmericanWest Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AmericanWest Bank U.S. Bank Average
4.09% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, AmericanWest Bank had $9,066,000 in non-current loans and $15,278,000 in owned real estate. To cover these potential losses it had $578,196,000 in equity and $17,115,000 in loans loss reserves. That gives it a Texas Ratio of 4.09%.

Return on Equity
AmericanWest Bank U.S. Bank Average
5.1% 11.29%

AmericanWest Bank has a Return on Equity of 5.1% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

AmericanWest Bank U.S. Bank Average
12.52% 11.72%

AmericanWest Bank has a Capitalization of 12.52% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AmericanWest Bank Balance Sheet Analysis

As of March 31, 2015, AmericanWest Bank had assets of $4,513,284,000, loans of $2,942,867,000, and deposits of $3,748,516,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.94 billion
Loan loss allowance $ 17.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 15.28 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 3.75 billion
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 4.62 billion

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in AmericanWest Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, AmericanWest Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.46
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 13.09
Construction and Development Loans 2.27
Commercial Real Estate 46.28
Commercial and Industrial Loans 13.07
Farm Loans 2.40

Frequently Asked Questions About Americanwest Bank

Branches and Savings

Is Americanwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #22441.

Why does Americanwest Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Americanwest Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Americanwest Bank a commercial bank?


Where are Americanwest Bank locations?

See branch locations nearby.

Is Americanwest Bank open on Saturdays?

Is Americanwest Bank open on Sundays?

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What time does Americanwest Bank close?

Are Americanwest Bank ATMs Open 24/7?

Do Americanwest Bank ATMs accept cash deposits?

Can Americanwest Bank customers use other ATMs?

Do Americanwest Bank branches have notaries?

Will Americanwest Bank notarize my document?

What address for Americanwest Bank should I put for incoming ACH transfers?

Will the Americanwest Bank branch print checks?

Do Americanwest Bank checks expire?

Does Americanwest Bank require US citizenship to open account?

Can Americanwest Bank close my account?

Does Americanwest Bank Report to credit bureaus?

Does Americanwest Bank Use Equifax?

What is Americanwest Bank's ACH Routing Number?

What is Americanwest Bank's SWIFT code?


Does Americanwest Bank offer mortgages?

Compare mortgage rates here.

Does Americanwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Americanwest Bank offer personal loans?

Compare personal loan rates here.

Does Americanwest Bank offer student loans?

Will Americanwest Bank cash a check?

Will Americanwest Bank redeem a savings bond?

Does Americanwest Bank cash savings bonds?

Will Americanwest Bank cash money orders?

Can Americanwest Bank issue a money order?

Does Americanwest Bank do currency exchange?

Background on The Bank

Who owns Americanwest Bank?

How long has Americanwest Bank been around?

Can Americanwest Bank transfer to other banks?

Does Americanwest Bank have quick pay?

Does Americanwest Bank accept rolled coins?

Will Americanwest Bank accept loose change?

Where is Americanwest Bank headquarters?

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