First Northwest Bancorp第三季度净亏损74.3万美元，客户存款增2700万美元、资本充足
First Northwest Bancorp（Nasdaq: FNWB）10月29日在 Port Angeles, Washington 公布2026年第三季度业绩：季度净亏损74.3万美元，第二季度为净利30.8万美元，去年同期为净利80.2万美元；基本与摊薄每股亏损为0.08美元。
该公司是 First Fed Bank 的控股公司。第三季度净利息收入为1,430万美元，与去年同期的1,460万美元接近；净息差升至2.96%，高于第二季度的2.95%与去年同期的2.91%。当季计提信贷损失拨备70万美元，去年同期为拨备转回。非利息收入220万美元，非利息支出升至1,730万美元，支出上升主要因为一笔此前已披露的法律事项和解产生约130万美元的一次性费用。
资产负债表方面，季末总资产21.43亿美元，总贷款15.94亿美元；客户存款当季增长2,700万美元至15.76亿美元，改善了资金结构，经纪存款维持5,900万美元。股东权益总额1.49亿美元。
信贷质量方面，不良贷款由第二季度末的2,070万美元降至1,990万美元，贷款信用损失准备占总贷款的1.03%，准备对不良贷款的覆盖率升至82.41%。First Fed 的总风险资本比率为13.3%，公司称其资本充足。
总裁兼首席执行官 Curt Queyrouze 表示，第三季度核心银行业务保持势头：净利息收入稳定、净息差小幅扩大、客户存款增长，反映出公司在改善资金结构与强化资产负债表方面的进展；尽管当季业绩受到信贷拨备增加与法律事项和解的影响，不良贷款下降、准备覆盖率改善，公司资本状况稳定，正以多项战略与运营举措打下提升盈利能力与长期股东价值的基础。
First Northwest Bancorp Posts $743,000 Third-Quarter Net Loss as Customer Deposits Grow $27 Million
First Northwest Bancorp (Nasdaq: FNWB), the holding company for First Fed Bank, reported third-quarter 2026 results on October 29 in Port Angeles, Washington. The company posted a net loss of $743,000, compared with net income of $308,000 in the second quarter of 2026 and net income of $802,000 in the third quarter of 2025. Basic and diluted loss per share were $0.08.
Net interest income was $14.3 million, close to $14.6 million a year earlier, and the net interest margin improved to 2.96%, from 2.95% in the second quarter and 2.91% a year earlier. The company recorded a $700,000 provision for credit losses, against a benefit a year earlier. Noninterest income was $2.2 million, while noninterest expense rose to $17.3 million, driven mainly by a nonrecurring $1.3 million expense for the settlement of a previously disclosed legal matter.
Total assets were $2.143 billion at quarter-end and total loans were $1.594 billion. Customer deposits grew $27 million in the quarter to $1.576 billion, improving the funding mix, while brokered deposits held at $59 million. Total shareholders' equity was $149 million.
Nonperforming loans declined to $19.9 million from $20.7 million at the end of the second quarter. The allowance for credit losses was 1.03% of total loans, and coverage of nonperforming loans rose to 82.41%. First Fed's total risk-based capital ratio was 13.3%, and the bank remains well capitalized.
President and CEO Curt Queyrouze said the core banking franchise kept its momentum in the quarter, with stable net interest income, modest margin expansion and growth in customer deposits reflecting progress in improving the funding mix and strengthening the balance sheet. He said that although results were affected by a higher credit-loss provision and the legal settlement, nonperforming loans declined and allowance coverage improved, and that with a stable capital position the company is building a stronger foundation for improved profitability and long-term shareholder value.
来源：GSM·美国（原文链接）
图片来源：图：Washington 州 Port Angeles 全景，First Northwest Bancorp 与 First Fed Bank 总部所在地。照片：Gordon Leggett 摄，CC BY 4.0，经 Wikimedia Commons。 / A wide view of Port Angeles, Washington, home of First Northwest Bancorp and First Fed Bank. Photo: Gordon Leggett, CC BY 4.0, via Wikimedia Commons.
