# BANK OF THE NORTHWEST
BELLEVUE, WA · FDIC certificate 58620 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $147.5M | |
| Deposits | $128.9M | |
| Loans and leases | $113.2M | |
| Total equity | $14.6M | |
| Loans / deposits | 84.83% (p78 of band) | 71.80% |
| Liquid assets / assets | 23.27% (p27 of band) | |
| Uninsured deposits / deposits | 9.79% (p60 of band) | 7.92% |
| Brokered deposits | 7.64% | |
| Wholesale funding | 10.13% (p81 of band) | |
| FHLB advances / assets | 2.49% | |
| Tier 1 leverage | 10.03% (p54 of band) | 9.80% |
| Unrealized securities loss / equity | 0.00% (p12 of band) | 2.62% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | -0.65% (p10 of band) | 0.68% |
| Net interest margin | 4.28% (p75 of band) | 3.84% |
| Efficiency ratio | 117.45% (p94 of band) | |
| Noncurrent loans | 4.31% (p82 of band) | 1.53% |
| Net charge-offs (annualized) | 0.14% (p57 of band) | |
| Reserve coverage of noncurrent | 79.90% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 69.35% (p85 of band) | |
| Auto loans | $16,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 31 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 3 | losing money, expense ratio p90 |  |

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

- 2017-10-18 [Columbia Bank Names Hadley Robbins Executive Vice President And Chief Operating Officer - PR Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQNnRVdjZ0OGNmZzR5Z2RhSUxHcVdLSzNSSU12Nmt0bFVibDBPZnlyX2szTHh4dmlJaVFyRVoyLWxfYTlya1dXNVg4MmlPb3Q5ay1UQTl4M1pSQXNSSWt4UzRsWGlBWURPZlNBVG1SUEgxODJiUG9ONTEyVk8yLTVaVl9aZHVTZVZ5OTJydTM0M3dxOTFMdGx0blR5aEQwTHB4eVI1cGJERHVVeVFmX0dKZWZwcG5HS25pQ2pkdk1XMU5NRjZ0QVE3cEM1OWJjM25rcm1VZjBmcDR6TzQ?oc=5) · PR Newswire
- 2017-02-23 [Columbia Banking names Robbins as interim CEO - The Seattle Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxPOHBMeTZGcTJYSnpTc3FGdk5RX1I4ZnBsZ1N6eHFBSDdvcmJ5WUhaYUJDRFJnUGNZN0NRN2U2c2NHQWV2bEM3ejNoM0xvbXczMU12eXVrVnlRSVBsb2NWRDlkcDhKUWRXRVNTeER5bF96QVVtaVpoUzNBaXRjQjE4aU5QNENEQi1PR0Z2MQ?oc=5) · The Seattle Times
- 2017-02-22 [Columbia Banking System Appoints Hadley S. Robbins Interim CEO - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPSTVtTFg2bXhGSEJiSEJaQllHSG54LXFyRDlOTURTSWo3VEZab2FkekVGRjk5bE0xTmJUQUZXVVBZWnZoNFBOMzdhdVVSS1Rvek1mUG4zM2FLQzQ0bmttNlVLSlJRcDRZb3NJajZlM21uT2w3UHJwTmxvUTlkVU1uZk93WW1WdVZJOUdCTHlzSTh0bzRlbVZiT0RjOVVtbGttcUpac3dOV19mSlZvM1g2Y3R3Q0VDd3JI?oc=5) · PR Newswire
- 2017-06-28 [Hadley S. Robbins Named CEO of Columbia Banking System - PR Newswire](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaVI3a3lleUVmUGZNQlMtVDRnTk83ZEF6Yk9SbVR4cU5HR2tONldaOXg2ZEh5UUw4ejIzT2VWMzZuck00Z3otcmV2NlEtV2RWMEdhVF9Pc3psbTJjWTNHTWNLS3RVdHc4dDJnTEM1aXdGUGdJOVJPWWUtdTY1ZzdKZlAyTDNtNTRvMjR5bVFraWt5WEFSaTdJQjNNcnQ0TDFhSU1CVUlBWE5UaHdlQVE?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58620 (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/60.json (key "58620", 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