State National Bank
State Bank Northwest is a privately held community bank, founded in 1902 and headquartered in Spokane Valley, Washington, operating seven branches across Eastern Washington. It provides personal, business, and agricultural banking — including loans, deposits, and digital services — to consumers, small businesses, and farm operators in the Inland Northwest.
- Company typePrivate
- Founded1902
- HeadquartersSpokane, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What State National Bank does
State Bank Northwest, originally chartered in 1902 as The State National Bank of Garfield and now headquartered in Spokane Valley, Washington, is a privately held community bank operating seven branches across Eastern Washington. The bank serves individual consumers, small and medium businesses, and agricultural operators in Spokane, Spokane Valley, Garfield, Rockford, Colfax, and Palouse, with a vertical focus on agricultural lending dating to its founding. Its product portfolio spans personal and business checking/savings accounts, certificates of deposit, IRAs, consumer and commercial loans, residential mortgages, agricultural real estate and equipment loans, and FSA-guaranteed lending. Digital channels include a mobile banking app (iOS and Android), an online banking platform, and a peer-to-peer payment service; the bank's credit cards are issued through TCM Bank, N.A.
The bank's technology stack is intentionally partner-dependent rather than proprietary. Core digital features include mobile check deposit, online bill pay, and a Save Up debit card round-up savings feature. The 2025-launched My Financial Health suite integrates VantageScore 3.0 credit scoring, Constella Intelligence dark web monitoring, data broker opt-out tools, and subscription management. Business banking adds Positive Pay check/ACH fraud protection and Cash Management services. The bank sits on a Jack Henry Digital-powered online platform, with SSL encryption securing customer data and compliance with FDIC, USA PATRIOT Act, and Equal Housing Lender requirements.
Revenue is generated through four primary streams: interest income on the loan book (agricultural, commercial real estate, equipment, consumer mortgage, operating lines of credit), deposit account and transaction fees on checking, savings, debit, and CD accounts, credit card income via the TCM Bank partnership, and cash management / treasury service fees for business clients. Distribution is branch-led relationship banking augmented by digital self-service channels, community event sponsorship, content marketing through 50+ financial calculators, and an active social media presence. The bank carries no venture funding, no parent company, and no disclosed M&A activity, operating as an organic-growth community institution.
State National Bank firmographics
Firmographics- Name
- State National Bank
- Legal name
- State Bank Northwest
- Website
- https://statebanknorthwest.com
- Company type
- Private
- Founded year
- 1902
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- State Bank Northwest is a privately held community bank, founded in 1902 and headquartered in Spokane Valley, Washington, operating seven branches across Eastern Washington. It provides personal, business, and agricultural banking — including loans, deposits, and digital services — to consumers, small businesses, and farm operators in the Inland Northwest.
- Ownership category
- akta.pro rank
Where State National Bank is headquartered
LocationHeadquarters
- HQ city
- Spokane
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
State National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue from interest earned on loans including agricultural loans, commercial real estate loans, equipment loans, consumer mortgages, and operating lines of credit
- Deposit Account Fees: Fees from checking accounts, savings accounts, debit cards, and certificate of deposit accounts
- Credit Card Income: Income from credit card products issued through TCM Bank, N.A.
- Cash Management Services: Business cash management, treasury services, and operating line of credit services
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personal Checking, Savings, and CD Accounts |
| Other | Monthly | Business Checking, Savings, and CD Accounts |
| Other | Monthly | Loan Products |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
State National Bank product offering
Product offeringCore offering
State Bank Northwest is a community bank providing personal and business deposit accounts, consumer and commercial loans, agricultural lending, and digital banking services across Eastern Washington. The bank operates seven branches and serves individuals, small/medium businesses, and agribusiness customers with relationship-based local decision-making, supplemented by a mobile app, online banking, and integrated tools such as My Financial Health, Save Up, and Positive Pay.
Product overview
State Bank Northwest operates as a community bank offering a unified banking platform combining traditional branch banking with digital services. The core product portfolio includes personal and business checking/savings accounts, certificates of deposit, credit cards, and lending products (consumer, commercial, and agricultural loans). Digital add-on modules include Mobile Banking App, Online Banking, My Financial Health (credit monitoring and identity protection), Save Up Debit Cards, Cash Management, and Positive Pay fraud protection. Financial Calculators provide self-service planning tools. The bank distinguishes itself through local decision-making for loans and relationship-based service across its branch network in Eastern Washington.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Consumer checking account products with features including debit cards, online banking access, and peer-to-peer payment capabilities for individual retail customers.
- Personal Savings Accounts Consumer savings products including Individual Retirement Accounts (IRAs) and standard savings accounts with competitive rates.
- Certificates of Deposit (CDs) Time deposit products with various maturity terms offering guaranteed returns with FDIC insurance protection.
- Individual Retirement Accounts (IRAs) Retirement savings products including IRAs offered to personal banking customers with competitive rates.
- Personal Loans Consumer lending products including mortgage loans and personal credit facilities for various financing needs.
- Mortgage Loans Residential mortgage loans and home equity lines of credit from a local Inland Northwest lender with local decision-making.
- Personal Credit Cards Consumer credit card products issued in partnership with TCM Bank, N.A. with Visa network access, online payment portal, and competitive terms subject to credit approval.
- Business Checking Accounts Commercial checking accounts with features including Positive Pay fraud protection, cash management services, and business debit cards.
- Business Savings Accounts Commercial savings products including Certificates of Deposit for business liquidity management.
- Business Loans Commercial lending products including operating lines of credit, equipment term loans, commercial real estate loans, construction loans, and business acquisition financing with local decision-making.
- Business Credit Cards Commercial credit card products issued through TCM Bank N.A. with employee spending controls, local credit decisions, and online account management.
- Agricultural Loans Specialized lending for farms and ranches including Farm Operating Lines of Credit, Agricultural Real Estate Loans, Equipment Term Loans, Rural Housing Loans, and FSA Guaranteed Loans with local agricultural specialists.
- Mobile Banking App State Bank Northwest's mobile application for iOS and Android devices enabling remote check deposits, real-time balance viewing, fund transfers, bill payments, and branch/ATM location services with 4-digit passcode or biometric security.
- Online Banking Digital banking platform enabling account management, bill payment, fund transfers, balance monitoring, and access to My Financial Health dashboard with enrollment available at my.statebanknorthwest.com.
- My Financial Health Digital banking feature integrated into online and mobile banking offering credit score tracking (VantageScore 3.0), dark web monitoring via Constella Intelligence, personal info protection from data broker sites, and subscription management at no additional cost.
- Save Up Debit Cards Debit card feature that rounds up purchase amounts to the nearest dollar and deposits the difference into savings, enabling automatic savings growth with every transaction.
- Positive Pay Fraud protection service for business accounts that matches presented checks and ACH transactions against issued payment records to detect unauthorized activity.
- Cash Management Business banking service providing cash flow management tools, automated bill scheduling, and account aggregation for streamlined business finance operations.
- Peer-to-Peer Payments Digital payment service enabling money transfers between individuals through the bank's online and mobile banking platforms.
Quantifiable outcome
- 89% reduction in payments-related fraud achieved by State National Bank (affiliated entity)
- +1 more outcomes
Companies that use State National Bank
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
State National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature5 records
State National Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- MoneyPassminorMoneyPass is a surcharge-free ATM network. State Bank Northwest customers can access the larger MoneyPass ATM network in addition to ATMs available at all bank branches, providing expanded ATM coverage across the region.
- ePayResourcesminorePayResources is a payments industry association for credit unions and banks. Eric Ehler of State National Bank received the Innovation in Payments Award at ePayResources' 30th annual conference ePayConnect 2026 for achievements in payments modernization and fraud reduction.
Scale indicators5 records
Recent moves10 records
Expansion highlights5 records
State National Bank competitors and assessment
Company assessmentDirect peers
- Banner Bank: Washington-headquartered community bank offering commercial, agricultural, and consumer banking across the Pacific Northwest with comparable branch-based relationship model and regional footprint.
- Umpqua Bank: Major Pacific Northwest community bank with full-service commercial, consumer, and ag lending across Oregon and Washington, comparable in business mix though larger in asset scale.
- HomeStreet Bank: Washington-based community bank with personal, business, and mortgage lending focus, serving Pacific Northwest customers with branch-based and digital delivery — comparable operating profile.
- Yakima Federal Savings: Washington state-chartered community thrift providing consumer and business banking in Central Washington; comparable branch-scale community banking model serving similar agricultural regions.
- Heritage Bank: Pacific Northwest community bank with branch-based consumer, small business, and commercial real estate lending, serving similar Inland Northwest markets including the broader Spokane region.
- Sound Community Bank: Washington-based community bank serving Puget Sound and select regional markets with consumer and commercial banking products — comparable scale, charter type, and relationship-led model.
- Cashmere Valley Bank: Washington community bank of similar small scale, focused on personal, business, and agricultural lending in North Central Washington — direct comparability on size and customer mix.
Broad incumbents
- Glacier Bancorp: Multi-state community bank holding company actively acquiring community banks in the Mountain West and Pacific Northwest; a logical strategic acquirer or capital partner for sub-$500M assets institutions like State Bank Northwest.
- Columbia Banking System: Large Pacific Northwest regional bank holding company (post-Umpqua merger) operating across WA, OR, ID; provides a comparable institutional reference point for community-to-regional banking scale.
Others
- Federal Home Loan Bank of Des Moines: One of 11 Federal Home Loan Banks providing wholesale liquidity, funding, and grant-matching programs to member community banks; an existing core partner of State Bank Northwest rather than a competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
State National Bank social profiles
Digital presenceState National Bank compliance and trust
Trust signalCompliance3 records
State National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
State National Bank leadership team
Management profileNumber of profiles
Profiles20 records
State National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
State National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about State National Bank
What does State National Bank do?
State Bank Northwest is a community bank providing personal and business deposit accounts, consumer and commercial loans, agricultural lending, and digital banking services across Eastern Washington. The bank operates seven branches and serves individuals, small/medium businesses, and agribusiness customers with relationship-based local decision-making, supplemented by a mobile app, online banking, and integrated tools such as My Financial Health, Save Up, and Positive Pay.
Is State National Bank a public or private company?
State National Bank is a private company. It is classified as unknown and is currently operating.
When was State National Bank founded?
State National Bank was founded in 1902. It employs 51 to 100 people.
Where is State National Bank based?
State National Bank is headquartered in Spokane, United States, in the North America region.
How does State National Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, credit Card Income and cash Management Services.
Who are State National Bank's main competitors?
Direct peers on record are Banner Bank, Umpqua Bank, HomeStreet Bank, Yakima Federal Savings, Heritage Bank, Sound Community Bank and Cashmere Valley Bank. Broad incumbents are Glacier Bancorp and Columbia Banking System. Federal Home Loan Bank of Des Moines is listed as an others.
Does State National Bank have an API?
No public API is recorded for State National Bank.