Inland Northwest Bank


421 West Riverside, Suite 113
Spokane, WA 99201
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Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Inland Northwest Bank is an FDIC insured institution located in Spokane, WA. It was founded in 1989 and has approximately $0.92 billion in assets. Customers can open an account at one of its 26 branches.

FDIC Insured Yes
FDIC Certificate # 27601
Date Established 1989
Assets $ 813.11 million
Loans $ 702.96 million
Deposits $ 721.16 million
Capital $ 190.11 million

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Inland Northwest Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to Inland Northwest Bank
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Financial Details

Inland Northwest Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Inland Northwest 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
Inland Northwest Bank U.S. Bank Average
0.07% 6.94%

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 March 31, 2020, Inland Northwest Bank had $15,000 in non-current loans and $115,000 in owned real estate. To cover these potential losses it had $190,113,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0.07%.

Return on Equity
Inland Northwest Bank U.S. Bank Average
10.11% 7.80%

Inland Northwest Bank has a Return on Equity of 10.11% versus the BestCashCow average of 7.80%. 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.

Inland Northwest Bank U.S. Bank Average
23.38% 12.68%

Inland Northwest Bank has a Capitalization of 23.38% versus the BestCashCow average of 12.68. 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.

Inland Northwest Bank Balance Sheet Analysis

As of September 30, 2018, Inland Northwest Bank had assets of $922,671,000, loans of $702,961,000, and deposits of $721,159,000. 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

March 31, 2020
Cash & Balances due from depository institutions $ 21.86 million
Interest-bearing balances $ 2.95 million
Total securities $ 0.23 million
Federal funds sold and reverse repurchase $ 48.33 million
Net loans and leases $ 702.96 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.12 million
Goodwill and other intangibles $ 116.18 million
All other assets $ 19.04 million
     Total Assets $ 732.56 million
Total deposits $ 721.16 million
      Interest-bearing deposits $ 474.47 million
      Deposits held in domestic offices $ 721.16 million
      % insured (estimated) 75.08%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.66 million
Subordinated debt N.A.
All other liabilities $ 4.74 million
      Total Liabilities $ 732.56 million
      Shareholders’ Equity $ 80.55 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 5.52 million
Total Interest Expense $ 0.26 million
Net interest income $ 5.26 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.55 million
Total non interest expense $ 3.11 million
Pre-tax Net Operating Income $ 2.69 million

Bank Loan Profile?

The top three loan types in Inland Northwest Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Farm Loans.

Compared to other banks in Washington, Inland Northwest Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 10.13
Credit Card Loans 0.21
Consumer Auto Loans 0.06
Small Business Loans 14.91
Construction and Development Loans 9.50
Commercial Real Estate 38.73
Commercial and Industrial Loans 13.02
Farm Loans 14.61

Frequently Asked Questions About Inland Northwest Bank

Branches and Savings

Is Inland Northwest Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27601.

Why does Inland Northwest Bank pay such low interest on savings accounts?

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

Why are Inland Northwest Bank CD rates not competitive?

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

Is Inland Northwest Bank a commercial bank?


Where are Inland Northwest Bank locations?

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Does Inland Northwest Bank require US citizenship to open account?

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Does Inland Northwest Bank offer mortgages?

Compare mortgage rates here.

Does Inland Northwest Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Inland Northwest Bank offer personal loans?

Compare personal loan rates here.

Does Inland Northwest Bank offer student loans?

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Background on The Bank

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