# INLAND NORTHWEST BANK
SPOKANE, WA · FDIC certificate 27601 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $922.7M | |
| Deposits | $721.2M | |
| Loans and leases | $703.0M | |
| Total equity | $190.1M | |
| Loans / deposits | 97.48% (p80 of band) | 86.40% |
| Liquid assets / assets | 7.63% (p2 of band) | |
| Uninsured deposits / deposits | 24.92% (p61 of band) | 21.53% |
| Brokered deposits | 2.83% | |
| Wholesale funding | 3.56% (p40 of band) | |
| FHLB advances / assets | 0.72% | |
| Tier 1 leverage | 9.72% (p33 of band) | 10.49% |
| Unrealized securities loss / equity | 0.01% (p95 of band) | -3.26% |
| AOCI / equity | -0.06% (p91 of band) | |
| ROA (annualized) | 0.33% (p5 of band) | 1.12% |
| Net interest margin | 0.92% (p0 of band) | 3.75% |
| Efficiency ratio | 49.49% (p9 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 35.11% (p43 of band) | |
| Auto loans | $398,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $13.8M (7% of equity) (p95 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 186 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 2 | charge-offs p90 |  |
| 2011-12 | 4 | capital falling, losing money |  |
| 2012-03 | 1 |  | charge-offs p90, capital falling, losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2018-09 | 3 | NIM <2.5%, reserve under noncurrent | loans exceed deposits |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-04-26 [Montana company to acquire Spokane-based Inland Northwest Bank - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxPbmlZR0pWdHVtLUMtVDgyUS1tTmlPYWd3djhqQVNoeVVPUE9MUERwLVpkeWNLWF9QT2prc1huRjR5d2xmSlBCUXVwZUN6ZmU5UVpVSk84NzlGYmhTeFYtdVgtUjFWb1Ffa0YyUDdVM1A0VE9FSnl3WHRnTjVwaHM5SUNiQ3NoT0J6YlhSU1V0cFRVelVVUWc4Q2d2VUxvQQ?oc=5) · The Spokesman-Review
- 2015-08-13 [Taking Inland Northwest Bank to the next step - Spokane Journal of Business](https://news.google.com/rss/articles/CBMilAFBVV95cUxNbFNULVpxRG92YzRCSU9vLXZPcnNja2NTOHl4V3NqRG10QkVmRk9KaU5oc0VRQ3MtdkpCVE5PVkg5VFp1WExZenFlczJPa3hXQmpRTDlHR3FjYzlBSEZrTWg4anZYUHN1Y1V5XzhkeG9Sd1V1T2UzbHpzcU9lQTE1NnlpRnNxb0VfZlBwbzA0ZWlOQU5f?oc=5) · Spokane Journal of Business
- 2018-10-12 [First Interstate buys Idaho Independent, Community 1st banks - Idaho Business Review](https://news.google.com/rss/articles/CBMipgFBVV95cUxPWVY1eUxpRE56SFhONTNKd1FwWjhaRnhVbndEZDg4SnBFWkZxTWxSOXh5clNCNVVMdktsZTlRWUYxWUlZOTVtdWROeGpvMmhwT1JncUEtNGlTRk43LW5PaFRIekg4VWpTeWRsU2ZpcHhfTEhiRVUyRHJ4VDdraUFpMi1iT1M1TTdpV1puSVMtZnAzYzByOFlhdjE0TVZjUDRzZUJPYkhR?oc=5) · Idaho Business Review
- 2021-11-04 [Merging interests at Inland Northwest banks and credit unions - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRExrdHdJT08wbjFWUDM0TUJrdnJzaHY5MDNUYXlKeEhTU2lfUTM5MTEzQnFFVy1WT25xbzJhdVRhcDhPdDhzOHlrQWU2RThhMldTVUd1b2JXcmxJdGZoSGRZUEU4dWEzV1ZpQzAtWmk3VGRvLVVxckx2Wk9aRzlLTVFVRGZkYmozeC0zRk1JT3hXcFBGaGNJcElvbnpTNFloai1MaW5wa0s?oc=5) · Spokane Journal of Business
- 2015-06-24 [Northwest Bancorporation, Inc. to Acquire Fairfield Financial Holdings Corp. - GlobeNewswire](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUkRINzRKblFTVVl6Q21fOGM1T213bFBodWxNOEd2cmNvN2VOX1ZweW00aWxWVlNES1JwclpseU83NllqWENERUNiNW16UWxjcy1wdkx5eDFBbTZ5aHlkcXV4UW1XSnlXcjM2TE1CeUNSNE5lMVBkbEx2NXRDaTFxV21MNWJEcjVHUjhQYXFrNGVPRFJwM25JVTlkU09QVkRuYUJSWnpxM1VtVElqRkNFS0xVaElOYVItX0pOZkVSTk94N3QxWFZ1OTRpZm5qSVhKb2hBTmVwSmRLLUJaaC1vZG5Oc2VERGV1MVE?oc=5) · GlobeNewswire
- 2016-08-10 [Family of man who drowned in Newman Lake speaks out - krem.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQX2tjc0dzYmlzUUxGZzVDNWhxSzhUMHN5OVRKaUZKdFdqTmhVMDVlZ21fTVJ5UXZYcE5DSjlEV3M5VkxiWVVrVFhobDM2SE9FOVVQZnNPVGIteWxEZWVZaWxIT1ZNS3NrTXJpNmdhMFQ1aEdMY3BTNGZmS0hhNzZlLWo5OVd2ZnJKeGprdDRsSUJoWVJ5eHEzdkZCUDBscGxzVEs3RUZManQyWThCUnBxVFdTZXA1NC1qVFB6bg?oc=5) · krem.com
- 2018-10-11 [Idaho Independent Bank of Coeur d’Alene is selling to Montana company - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxNTWJwRlRDdVYwXzFlNGRyRXFmVXdYbkJZb09ITmFMWktMSXFJNjhSZmVSdTk2MVFJNGJ2MGJxNTZaOGpRYWw5WEJPandiMElIRUlKQWdHclNEMFN2NE95b3NCMDNOdTJMRkdUdXA3Nng2aWFOX0JEY2lTT2c0T0JCX21xQVhTUDFUaUZDU2Q5U29mYUMxM18ydkJ5VmVTQQ?oc=5) · The Spokesman-Review
- 2018-11-08 [Interstate expansion - Spokane Journal of Business](https://news.google.com/rss/articles/CBMic0FVX3lxTFAyUU42S0FoanU4cDlWYWZEWTZqWjkzMjU5M3lHQWVYR3hHcWpUZGxXMkhZNE02ZHBMWHdSdmNIZnhQNHFsTG1fWnJ6TGZHRmRfaVVvbUtkbWRNeWhsMUVvQlZQTUFTMl9tRlc5XzIzNTc3M00?oc=5) · Spokane Journal of Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27601 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "27601", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide