# NORTHWEST COMMERCIAL BANK
LAKEWOOD, WA · FDIC certificate 57191 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $69.4M | |
| Deposits | $60.0M | |
| Loans and leases | $56.0M | |
| Total equity | $8.5M | |
| Loans / deposits | 91.91% (p90 of band) | 68.02% |
| Liquid assets / assets | 12.05% (p4 of band) | |
| Uninsured deposits / deposits | 10.40% (p58 of band) | 8.86% |
| Brokered deposits | 2.97% | |
| Wholesale funding | 3.45% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.45% (p69 of band) | 10.05% |
| Unrealized securities loss / equity | 3.13% (p51 of band) | 3.01% |
| AOCI / equity | 0.75% (p77 of band) | |
| ROA (annualized) | 0.01% (p13 of band) | 0.76% |
| Net interest margin | 4.58% (p88 of band) | 3.75% |
| Efficiency ratio | 87.58% (p78 of band) | |
| Noncurrent loans | 1.14% (p48 of band) | 1.21% |
| Net charge-offs (annualized) | 0.62% (p87 of band) | |
| Reserve coverage of noncurrent | 142.95% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 35.12% (p72 of band) | |
| Auto loans | $193,000 (0.34% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 5 | capital falling, charge-offs p90 |  |
| 2012-03 | 5 | expense ratio p90, assets shrinking, uninsured deposits leaving | noncurrent p90, capital falling, charge-offs p90 |
| 2012-06 | 3 | charge-offs p90 | expense ratio p90, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  | reserve under noncurrent, losing money |
| 2012-12 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |

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

- 2012-10-12 [With bank failures fading, acquisitions reshape the sector - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVkk2Nl9SeF83R3kxOU4yTzJuRzVoMUotN3dYTGk0T2dSV0VycUYzR2xmeUtlV2RnWEdTZzZ4NFR4QkY5c2I4Z2xLSDdNaFhNdGdQX2lqUTB6aHBVdEZjRWg2NDB4WFlmZHB6ZVFXTVcwWXdxTHZmaXdtZXZqcUhudEZLRWZnQlVZRGpmT0paWU1LMzdLbGc?oc=5) · The Business Journals
- 2025-01-09 [He coerced workers into aiding theft scheme at Lakewood warehouse. Here’s his sentence - thenewstribune.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE1Ra1NHVDJFUFo3Uk01NFFfaW9JcEJOY0ZWMU5taGRYZy01NHg1RXpSOWZocE02LUJtdFpheUVCYXZZalNnbFNHdHNacldYNzhUczFsYTdRMTNBN01aLS1UXzlvTTBaWXI3TU0zZlY1NjBZWjJQQnkwVNIBeEFVX3lxTFAybV90ZU9mUDYxbXNQaldVOWw2TU5qV3hVRXVkOFJ4UHBGWl9VUDlyM0tGQ0pyOGhmYThlMXRQMHhJOXpoQmlTNnhlMlowbTRYVlVLSDJYOEs0Snh2eEJnUU9uTUgzZURxVWNtck9nMGFzNlpKOVF0bg?oc=5) · thenewstribune.com
- 2025-07-07 [Kurt Graff Obituary (1950 - 2025) - Tacoma, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdVFSdFd0QWlXR3diTGpkZENTaEVIUzJpQXFpSWN0aFpkb0ZnbEtTblFSbXdzaWhWcXhKbDJVSTVISEFMTW1NYXRMdTFjMEVVSWhZb0UzaUNvZHNoQkxLSThKZmtESlhSTGRMU2pscW84cXFHTFNFZHBpYWM0VVpOVTFSbDJvLXRH?oc=5) · legacy.com
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2021-10-21 [LARRY HUMPHREY Obituary (2014) - Lakewood, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNUERzUFAwYVhQYlNUQzhnOFBmZXU4RGFXVGZhTDJhMm55Yk9HSEg0MW83UkN0UElFMUdzaW9BMWtHdXVCYUhaVDNHMFBjeVhvLXU0NGpXNnhYVWc0SkRGd2oyNktkVkc2dkVyWjlzdXlpX01YQ1VGZlJSUy01WVA4UWk5MkdpSFJlcXYyZGhR?oc=5) · legacy.com
- 2008-04-24 [Edward Chandler Obituary (2008) - Tacoma, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNelJMQjJ0ekJ6VmlEYlFmM09GbHQxb1haV05uN1lSei13c294QURPT2xyekU0QnYxalRfWHR5Vk1fUHZ0c3ZvT3pRalVQdkt1OEticUxDTnc5OTNIcEZMTFdmZlJacmRZb3NEX1UtVjRCVmMzdERXcjc5TjM5NnpRWmRUZF8tdVkzci1GVG1tWQ?oc=5) · legacy.com
- 2005-08-14 [Robert Knapp Obituary (2005) - U, WA - News Tribune (Tacoma) - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPbGM3QmIyWmxvNDdIeVVPd0dNZDFScDh5SFM0RENPUXVhUEpWN1pBRF82aGJyamZaSlF2OVJGZE1sOWxvN19zWDY3NU5WSnk3VTZ3cFJpOGpLZE9yUk9qYWxpcWRqSi1CYTU3NmlKVFB0bERnQ1V6aGVvcHMyN0VIWXBvdHdMOFllbW5v?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57191 (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/39.json (key "57191", 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