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41 W. Riverside Avenue, Suite 400
Spokane, WA 99201

AmericanWest Bank is headquartered in Spokane and is the 6th largest bank in the state of Washington. It is also the 212st largest bank in the nation. It was established in 1977 and as of March of 2014, it had grown to 939 employees at 120 locations. AmericanWest Bank has a A+ health rating.

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Reviews (2)

Worst Bank Ever

I was with Viking bank prior to thier being sold to AmericanWest.  Since the sale, the service level has plummeted.  Every change they made was for the worst.  I went in to make a withdrawal and inquired if there was a way to leave a postdated check for later deposit.  It didn't matter to me if there wasn't, it was just a matter of convenience for me.  The teller instructed me to put the check in the night drop and write on the envelope "hold till...".  I did exactly as he told me.  A few days later, they mailed me a NSF check and charged me $5.  Even worse, the check writer was charged $39.  When I confronted them they refused to own up to their mistake.  They took the $5 charge off, cause it was their mistake, but refused to rectify the $39 charge to the check writer, who happened to be a friend.  I'm not their largest customer, I'm sure, but just the fees on my business accounts greatly exceed this $39, and they were still OK with losing my business.  They admitted their error, but refused to take any responsibility for it.  That was the final straw for me.  Don't bother with this bank.

Charge $8 On Free Checking

I got surprise after PacTrust was bought by AmericanWest on my free checking account as monthly $8. charges

Anyone else got this unexpected $8. charges?

It's hard to contact rep, I'll try again.
It was no issues while PacTrust was in place.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 AmericanWest Bank had $29.25 million in non-current loans and owned real-estate with $548.35 million in equity and loan loss allowances on hand to cover it. This gives AmericanWest Bank a Texas Ratio of 5.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for AmericanWest Bank decreased dramatically from 10.68% as of March 31, 2013 to 5.33% as of March 31, 2014, resulting in a positive change of 50.08%.This indicates that the balance sheet and financial strength for AmericanWest Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, AmericanWest Bank has increased its total deposits by $1.05 billion, resulting in 48.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth AmericanWest Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. AmericanWest Bank has $3.89 billion in assets with $548.35 million in equity, resulting in a capitalization level of 14.08%, which is excellent.

Institution Statistics

FDIC Certificate #22441
Year Established1977
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.89 billion
Loans$2.21 billion
Deposits$3.22 billion
Equity Capital$534.80 million
Loan Loss Allowance$13.55 million
Unbacked Noncurrent Loans$10.40 million
Real Estate Owned$18.85 million
Historic Data - March 2013
Assets$2.70 billion
Equity Capital$435.27 million
Loan Loss Allowance$8.29 million
Unbacked Noncurrent Loans$10.40 million
Real Estate Owned$22.69 million
Profit Margin - Quarterly
Net Interest Margin4.59%
Return on Assets1.02%
Return on Equity7.6%
Interest Income$40.54 million

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AmericanWest Bank has 113 locations. Click to view all AmericanWest Bank locations.