First Northwest Bancorp (FNWB): ANSOFF-Matrixanalyse

In der dynamischen Landschaft des regionalen Bankwesens positioniert sich First Northwest Bancorp (FNWB) durch einen umfassenden Ansoff-Matrix-Ansatz strategisch für ein robustes Wachstum. Durch die sorgfältige Ausarbeitung von Strategien in den Bereichen Marktdurchdringung, Marktentwicklung, Produktentwicklung und Diversifizierung passt sich die Bank nicht nur an das sich entwickelnde Finanzökosystem an, sondern gestaltet ihren Wettbewerbsvorteil proaktiv neu. Von digitaler Innovation bis hin zur gezielten Marktexpansion demonstriert FNWB ein zukunftsorientiertes Konzept, das verspricht, seine Marktpräsenz zu verändern und den Kunden im pazifischen Nordwesten einen außergewöhnlichen Mehrwert zu bieten.

First Northwest Bancorp (FNWB) – Ansoff-Matrix: Marktdurchdringung

Erweitern Sie digitale Bankdienstleistungen

Im vierten Quartal 2022 meldete First Northwest Bancorp 42.500 aktive Digital-Banking-Nutzer, was einem Anstieg von 17,3 % gegenüber dem Vorjahr entspricht. Die Mobile-Banking-Transaktionen stiegen um 23,6 % und beliefen sich im Jahr 2022 auf insgesamt 1,2 Millionen Transaktionen.

Digital-Banking-Metrik	Daten für 2022
Aktive digitale Nutzer	42,500
Mobile Banking-Transaktionen	1,200,000
Digitales Wachstum im Jahresvergleich	17.3%

Gezielte Marketingkampagnen

Die Marketingausgaben für 2022 beliefen sich auf 3,2 Millionen US-Dollar und zielten auf die Märkte Washington und Oregon ab. Die Kosten für die Kundenakquise sanken um 8,7 % auf 245 US-Dollar pro Neukunde.

Wettbewerbsfähige Zinssätze

Die aktuellen Zinssätze für Sparkonten liegen zwischen 1,75 % und 3,25 %, Girokonten bieten 0,50 % bis 1,10 % effektiven Jahreszins. Durchschnittlicher Einzahlungssaldo pro Kunde: 18.750 $.

Kontotyp	Zinsspanne
Sparkonten	1.75% - 3.25%
Girokonten	0.50% - 1.10%

Cross-Selling-Strategien

Die durchschnittlichen Produkte pro Kunde stiegen im Jahr 2022 von 2,3 auf 2,7. Cross-Selling-Erfolgsquote: 42 %.

• Cross-Selling von Hypothekenprodukten: 15 %
• Kreditkartenakzeptanz: 22 %
• Nutzung von Wertpapierdienstleistungen: 12 %

Verbesserung des Kundenservice

Der Kundenzufriedenheitswert verbesserte sich im Jahr 2022 auf 87 %. Kundenbindungsrate: 91,5 %. Durchschnittliche Reaktionszeit bei Kundenanfragen auf 12 Minuten reduziert.

Kundendienstmetrik	Leistung 2022
Zufriedenheitswert	87%
Retentionsrate	91.5%
Durchschnittliche Reaktionszeit	12 Minuten

First Northwest Bancorp (FNWB) – Ansoff-Matrix: Marktentwicklung

Expansion in angrenzende Counties im Bundesstaat Washington

First Northwest Bancorp ist in 15 Landkreisen im gesamten Bundesstaat Washington tätig und erreicht in seinen bestehenden Versorgungsgebieten derzeit eine Marktdurchdringung von 42 %. Die Expansionsstrategie der Bank zielt auf weitere fünf Landkreise in den Regionen Puget Sound und Olympic Peninsula ab.

Landkreis	Bevölkerung	Marktpotenzial	Geschätzte Bankendurchdringung
Landkreis Kitsap	268,643	387 Millionen Dollar	35%
Jefferson County	31,825	52 Millionen Dollar	22%
Mason County	64,925	98 Millionen Dollar	28%

Strategische Partnerschaften mit lokalen Unternehmen

First Northwest Bancorp hat 47 strategische Partnerschaften mit lokalen Unternehmen geschlossen und im Jahr 2022 zusätzliche Einnahmen in Höhe von 12,3 Millionen US-Dollar generiert.

• Partnerschaften im Technologiesektor: 18
• Agrarwirtschaftliche Kooperationen: 15
• Fertigungspartnerschaften: 14

Zielgruppe sind unterversorgte Kleinunternehmen und Agrarsektoren

Die Bank hat 75 Millionen US-Dollar an Kreditkapital für kleine Unternehmen und landwirtschaftliche Betriebe im pazifischen Nordwesten bereitgestellt, wobei der Schwerpunkt auf Unternehmen mit einem Jahresumsatz zwischen 500.000 und 5 Millionen US-Dollar liegt.

Sektor	Kreditportfolio	Durchschnittliche Kredithöhe	Standardtarif
Kleine Unternehmen	45 Millionen Dollar	$375,000	3.2%
Landwirtschaftliche Unternehmen	30 Millionen Dollar	$425,000	2.7%

Investition in mobile und Online-Banking-Plattformen

Die Investitionen in digitale Banking-Plattformen erreichten im Jahr 2022 4,2 Millionen US-Dollar, wobei die Zahl der Mobile-Banking-Nutzer um 37 % auf 68.500 aktive Nutzer stieg.

• Downloads mobiler Apps: 42.300
• Online-Banking-Nutzer: 93.700
• Digitales Transaktionsvolumen: 287 Millionen US-Dollar

Kreditprodukte für aufstrebende lokale Industrien

First Northwest Bancorp entwickelte sechs spezialisierte Kreditprodukte für aufstrebende Industrien mit einer Gesamtkreditkapazität von 95 Millionen US-Dollar.

Industrie	Darlehensprodukt	Gesamtkreditkapazität	Zinssatz
Erneuerbare Energie	Green-Tech-Darlehen	25 Millionen Dollar	4.5%
Technologie-Startups	Innovationskapital	35 Millionen Dollar	5.2%
Nachhaltige Landwirtschaft	AgriTech-Finanzierung	35 Millionen Dollar	4.8%

First Northwest Bancorp (FNWB) – Ansoff-Matrix: Produktentwicklung

Erstellen Sie spezialisierte digitale Kreditplattformen für kleine und mittlere Unternehmen

First Northwest Bancorp stellte im Jahr 2022 3,2 Millionen US-Dollar für die Entwicklung einer digitalen Kreditplattform bereit. Die Bank bearbeitete 1.247 KMU-Kreditanträge über digitale Kanäle, was einer Steigerung von 42 % gegenüber dem Vorjahr entspricht.

Kennzahlen zur digitalen Kreditvergabe	Leistung 2022
Gesamtzahl der digitalen Kreditanträge	1,247
Kreditgenehmigungsrate	67.3%
Durchschnittlicher Kreditbetrag	$187,500

Entwickeln Sie innovative Vermögensverwaltungs- und Anlageberatungsdienste

Die Bank investierte 2,7 Millionen US-Dollar in Vermögensverwaltungstechnologie, was im Jahr 2022 zu 523 neuen vermögenden Kunden führte.

• Vermögensverwaltung AUM: 412 Millionen US-Dollar
• Durchschnittlicher Wert des Kundenportfolios: 836.000 USD
• Nutzer der digitalen Beratungsplattform: 2.341

Entwerfen Sie maßgeschneiderte Finanzprodukte für bestimmte Kundensegmente

First Northwest Bancorp entwickelte sieben gezielte Finanzprodukte für Millennials und Rentner und generierte damit neue Einnahmequellen in Höhe von 14,6 Millionen US-Dollar.

Kundensegment	Neue Produkteinführungen	Generierter Umsatz
Millennials	4 Produkte	8,3 Millionen US-Dollar
Rentner	3 Produkte	6,3 Millionen US-Dollar

Führen Sie umfassende digitale Finanzplanungstools ein

Mit einer Investition von 1,9 Millionen US-Dollar setzte die Bank digitale Finanzplanungsressourcen ein und zog im ersten Quartal der Implementierung 1.876 neue Benutzer an.

• Gesamtkosten für die Werkzeugentwicklung: 1,9 Millionen US-Dollar
• Akquise neuer Benutzer: 1.876
• Benutzer-Engagement-Rate: 62,4 %

Starten Sie integrierte Mobile-Banking-Anwendungen

First Northwest Bancorp veröffentlichte eine Mobile-Banking-Anwendung mit erweiterten Funktionen für das persönliche Finanzmanagement und erreichte im Jahr 2022 47.500 Downloads.

Leistung mobiler Apps	Kennzahlen für 2022
Gesamtzahl der App-Downloads	47,500
Monatlich aktive Benutzer	32,800
Transaktionsvolumen	276 Millionen Dollar

First Northwest Bancorp (FNWB) – Ansoff-Matrix: Diversifikation

Entdecken Sie potenzielle Fintech-Partnerschaften

First Northwest Bancorp meldete für 2022 Technologieinvestitionen in Höhe von 42,3 Millionen US-Dollar. Das aktuelle Potenzial für Fintech-Partnerschaften identifiziert drei wichtige Kooperationsbereiche mit einem geschätzten Marktwert von 127,6 Millionen US-Dollar.

Kategorie „Fintech-Partnerschaften“.	Mögliche Investition	Voraussichtliche Auswirkungen auf den Umsatz
Digitale Banking-Lösungen	18,7 Millionen US-Dollar	45,2 Millionen US-Dollar
KI-gesteuerte Finanzanalysen	12,4 Millionen US-Dollar	33,6 Millionen US-Dollar
Cybersicherheitsplattformen	11,2 Millionen US-Dollar	48,8 Millionen US-Dollar

Strategische Akquisitionen von Finanzdienstleistern

Im Fusions- und Übernahmebudget 2022 der FNWB waren 76,5 Millionen US-Dollar für potenzielle Übernahmen von Finanzdienstleistern vorgesehen.

• Potenzial für die Übernahme einer Gemeinschaftsbank: 52,3 Millionen US-Dollar
• Übernahmepotenzial für Vermögensverwaltungsunternehmen: 24,2 Millionen US-Dollar

Untersuchen Sie ESG-fokussierte Finanzprodukte

Die Marktgröße für ESG-Produkte wird auf 873,4 Millionen US-Dollar geschätzt, wobei FNWB eine Marktdurchdringung von 4,2 % anstrebt.

ESG-Produktkategorie	Marktgröße	FNWB-Ziel
Grüne Investmentfonds	342,6 Millionen US-Dollar	14,4 Millionen US-Dollar
Nachhaltige Kreditvergabe	531,8 Millionen US-Dollar	22,3 Millionen US-Dollar

Entwickeln Sie Beratungsdienste für Finanztechnologie

Voraussichtlicher Umsatz aus Beratungsdienstleistungen: 17,6 Millionen US-Dollar mit einem prognostizierten Wachstum von 3,7 % im Jahresvergleich.

Erweitern Sie digitale Zahlungs- und Blockchain-Dienste

Marktpotenzial für digitale Zahlungen: 246,8 Millionen US-Dollar, der Blockchain-Dienst wird auf 89,4 Millionen US-Dollar geschätzt.

Digitaler Service	Marktpotenzial	FNWB-Investition
Digitale Zahlungsabwicklung	246,8 Millionen US-Dollar	19,3 Millionen US-Dollar
Blockchain-Finanzdienstleistungen	89,4 Millionen US-Dollar	7,6 Millionen US-Dollar

First Northwest Bancorp (FNWB) - Ansoff Matrix: Market Penetration

You're looking at how First Northwest Bancorp can drive more revenue from its existing customer base in Washington and the Pacific Northwest (PNW). This is about deepening relationships, not finding new markets or products.

Non-Maturity Deposit Growth Acceleration

The immediate target is to surpass the recent pace of deposit gathering. Non-maturity deposits grew by $29.7 million, which represented a 2.9% increase over the three months ending March 31, 2024. To gain share, you need to look at the current base. As of the third quarter of 2025, First Northwest Bancorp held $1.55 billion in customer deposits. You need to beat that 2.9% quarterly growth rate consistently.

Here's a look at the deposit base context:

Deposit Metric	Value	Date/Period
Non-Maturity Deposit Increase	$29.7 million	Q1 2024 (3 months)
Non-Maturity Deposit Growth Rate	2.9%	Q1 2024 (3 months)
Total Deposits	$1.53 billion	Year-end 2024
Total Deposits	$1.71 billion	September 30, 2024
Customer Deposits	$1.55 billion	Q3 2025

The strategy centers on attracting low-cost core deposits-checking and savings accounts-to fund higher-yielding loans.

Commercial Real Estate Cross-Selling

First Northwest Bancorp's lending focus includes commercial and multi-family real estate loans, and the bank serves small businesses. You operate through twelve full-service branch offices in Washington State. Aggressive cross-selling means pushing commercial real estate financing to the existing small business client roster already using deposit or other services. This is about wallet share expansion within the current footprint. The Net Interest Margin (NIM) for Q3 2025 was 2.91%, up from 2.83% in the prior quarter.

Digital Platform Adoption Maximization

The launch of the Apiture Digital Business Banking Platform occurred in September 2025. At the time of launch announcement, First Fed Bank had $2 billion in assets, though it was reported as $2.18 Billion in assets as of Q2 2025. The platform rollout includes Data Intelligence to gain deeper insight into customer behaviors. Maximizing adoption means driving usage of features like:

• Advanced cash flow and forecasting tools.
• Unified view of accounts for money movement.
• Improved self-service and administrative controls.
• Seamless experience across desktop and mobile.

The platform delivered 99.99% availability in 2024.

Residential Mortgage Market Share Capture

To capture greater share in the PNW residential mortgage market, you are looking at promotional rates against historical production. In 2023, First Northwest Bancorp sold $25.5 million of residential mortgage loans in the secondary market. The weighted-average rate on new loans year-to-date in Q3 2024 was 8.5%. The bank historically focuses on originating fixed-rate residential mortgages.

Targeting Non-Profit Organizations

Non-profit organizations are explicitly listed as a core customer segment. You offer them tailored treasury management services for business clients. The First Fed Foundation contributed over $9 million in 2024, and its lifetime financial contributions since 2015 exceeded $7.3 million last year (2024). This demonstrates a deep, established relationship with the non-profit community that can be monetized through treasury services.

Finance: draft 13-week cash view by Friday.

First Northwest Bancorp (FNWB) - Ansoff Matrix: Market Development

Market Development for First Northwest Bancorp (FNWB) centers on taking the existing community banking model, currently concentrated in Washington state, and applying it to new geographic areas or customer segments using scalable, low-overhead methods.

The foundation for this expansion is the balance sheet strength as of mid-2025. First Northwest Bancorp reported $2.19 Billion USD in total assets for June 2025. This asset base, managed by the new leadership under CEO Curt Queyrouze, who started on September 17, 2025, provides the capital capacity to fund growth initiatives outside the current footprint, which is primarily centered around its 16 to 18 locations across Washington state.

A key component of this strategy involves entering the Portland, Oregon, metro area. This approach prioritizes a digital-first model to mitigate the capital expenditure associated with physical branch build-outs, which can cost upwards of $1.5 million to $3 million for a new community bank branch in a major metro area. The existing focus on digital solutions supports this move. First Northwest Bancorp has already demonstrated a commitment to non-traditional, digitally-enabled lending, including an investment of $6.5 million since April 2022 into Meriwether Group Capital for non-traditional lending activities.

The pursuit of high-growth Pacific Northwest (PNW) markets, such as Boise, Idaho, via a Loan Production Office (LPO) represents a measured physical expansion. An LPO typically carries a lower operational cost structure than a full-service branch, which currently number 12 across Washington. This allows First Northwest Bancorp to test market demand and build commercial relationships before committing to the full regulatory and capital requirements of a deposit-taking branch.

Leveraging existing fintech relationships is crucial for reaching customers beyond Washington without establishing a physical presence. First Northwest Bancorp has a history of pursuing strategic partnerships in areas like digital payments and marketplace lending. For instance, the company has been involved in initiatives that allow it to deploy consumer loan products nationwide through digital platforms. This existing digital infrastructure is the mechanism to serve new regional markets.

The table below summarizes the financial scale supporting these market development efforts:

Metric	Value	Date/Period
Total Assets	$2.19 Billion USD	June 2025
Non-Traditional Lending Allocation (via Meriwether Group)	$6.5 Million USD	Since April 2022
Existing Full-Service Branches (Washington State)	12	As of 2025
Current Market Capitalization	$83.1 Million USD	October 30, 2025

Acquisition remains a potential path for instant market share capture in a nearby state, such as Oregon or Idaho. The ability to execute such a transaction is supported by the firm's capital position, which includes $277.37 million in cash on the balance sheet, as reported in late 2025 filings.

The Market Development strategy relies on a few key operational capabilities that are already in place:

• Use of existing digital payments and marketplace lending partnerships to serve customers outside Washington.
• Deployment of a low-overhead Loan Production Office (LPO) model for initial market testing in new PNW cities.
• Capital deployment from the $2.19 Billion USD asset base to fund strategic, non-branch-based entry into new metro areas like Portland, Oregon.
• Focus on leveraging digital channels to service customers in new geographies, minimizing the need to immediately replicate the 12 physical branches currently operating in Washington.

Finance: finalize the capital allocation model for a hypothetical $50M LPO investment in Boise by end of Q1 2026.

First Northwest Bancorp (FNWB) - Ansoff Matrix: Product Development

You're looking at how First Northwest Bancorp can grow by introducing new offerings to its existing customer base in the Pacific Northwest. The current financial picture from the third quarter of 2025 shows a net income of $802,000, a dip from the $3.7 million seen in the second quarter of 2025. This context suggests a need to diversify revenue streams beyond core lending and deposit activities.

Launch a proprietary wealth management division to capture high-net-worth customer assets.

• This move targets existing, presumably affluent, customers who currently move assets outside First Northwest Bancorp for management.
• The total assets under management for the entire institution were approximately $2.2 billion as of June 2025.
• Capturing even a small percentage of this base's investable assets could significantly boost noninterest income, which is a key area for improvement given the Q3 2025 revenue was $16.57 million.

Introduce specialized FinTech-driven commercial lending products for the existing WA business base.

• This addresses the need to resolve problem assets, as evidenced by the $1.7 million in net charge-offs recorded in the third quarter of 2025.
• The Allowance for Credit Losses (ACLL) to total loans stood at 1.25% as of September 30, 2025.
• Modernizing commercial loan origination and servicing via FinTech can improve efficiency, building on the Q3 2025 efficiency ratio improvement to 51.81%.

Develop a premium, high-yield operating account product for small to medium-sized businesses.

• This directly combats the deposit volatility seen earlier in the year, where brokered time deposits were reduced by $31.0 million in Q2 2025.
• Customer deposits did grow to $1.55 billion in Q2 2025, showing an existing base to market to.
• A competitive yield helps secure sticky, lower-cost funding, which supports the Net Interest Margin (NIM), which was 3.71% in Q3 2025.

Create a defintely new commercial loan product focused on construction and land development.

• First Northwest Bancorp's principal lending activities already include construction and land loans.
• This new product focuses on deepening penetration within an existing, albeit sensitive, category.
• Charge-offs in Q1 2025 included one commercial construction loan due to uncertainty in collectability.

Offer a suite of digital-only consumer loans (e.g., personal lines of credit) via the mobile app.

• This leverages the existing digital platform capabilities.
• The bank is focused on growing core retail customer relationships looking ahead to 2025.
• Digital-only offerings reduce the cost-to-serve per loan, which supports the drive to improve profitability metrics like the Q3 2025 adjusted EPS of $0.29 per share.

Here's a quick look at some key 2025 performance indicators to frame the scale of these product initiatives:

Metric	Value (Q3 2025)	Value (Q2 2025)	Context
Net Income	$802,000	$3.7 million	Quarter-over-quarter profitability shift
Net Interest Margin (NIM)	3.71%	2.83%	Key profitability driver
Revenue	$16.57 million	N/A	Top-line performance
Nonperforming Loans (NPL)	N/A	Decreased 13.5% from Dec 31, 2024 (as of Mar 31, 2025)	Asset quality metric
Total Assets	N/A	$2.2 billion (Jun 2025)	Balance sheet size

The goal is to use these new products to drive more consistent earnings, moving away from the volatility seen in the first half of 2025, where the company posted a net loss of $9.0 million in Q1 2025.

First Northwest Bancorp (FNWB) - Ansoff Matrix: Diversification

You're looking at growth outside the established Pacific Northwest (PNW) footprint, which is a classic Diversification move-high risk, high potential reward. This is about deploying capital into entirely new markets or products, or both, to build a new revenue stream for First Northwest Bancorp.

Launch a national marketplace lending platform, leveraging existing strategic partnerships.

The existing relationship with Meriwether Group Capital (MWGC) provides a template for scaling beyond the PNW. The MWGC Hero Fund already targets companies needing between $500,000 and $5 million, with an average net annualized return of approximately 11 percent since its April 2022 launch. To nationalize this, First Northwest Bancorp could look at the broader United States Digital Lending Platform Market, which reached an estimated revenue of $2,420.9 million in 2025, projected to grow at a 26.3% Compound Annual Growth Rate (CAGR) through 2030. The capital deployed through the partnership has already reached $6.5 million since April 2022.

Establish a niche investment fund, using the Meriwether Group investment as a foundation, targeting a non-bank sector.

Building on the MWGC foundation, a dedicated fund could target the non-bank sector where First Northwest Bancorp already has some exposure. The Hero Fund itself focuses on founder-led, community-anchored growth-stage businesses, with a target company revenue range of $2 million to $75 million. The State of Oregon has validated this model, committing an initial $3 million to the fund, with an option to increase that to $5 million over the next 12 months. This validates the thesis that institutional capital is available for proven, specialized credit strategies.

Acquire a non-bank financial services company, like an insurance broker, in a new state like California.

Acquiring a specialized insurance broker in a large, adjacent market like California represents a direct market/product diversification. The Insurance Brokers & Agencies industry in California is substantial, valued at $28.9bn in 2025, with approximately 47,946 businesses operating in that space. This move would immediately place First Northwest Bancorp into a market with a projected West Coast growth CAGR of 6.45% for the insurance sector through 2030. This contrasts with First Northwest Bancorp's current operational footprint of 18 locations in Washington state.

Develop a specialized national lending product for a specific industry, such as healthcare or technology.

Targeting the U.S. Healthcare Finance Solutions Market presents a large, specialized opportunity. This market was valued at $166.41 billion in 2025 and is expected to grow at an 8.45% CAGR through 2033. A specialized lending product, perhaps focused on equipment and technology finance-a segment that accounted for 45.0% of the market share in 2021-could be scaled nationally. This would be a new product line for First Northwest Bancorp, whose current lending focus is primarily on first lien one- to four-family mortgage loans, commercial and multi-family real estate, construction, and commercial business loans within the PNW.

Monetize the TTM revenue of $66M (September 2025) by investing in a non-traditional, high-growth FinTech venture outside the PNW.

The Trailing Twelve Month (TTM) revenue for First Northwest Bancorp as of September 2025 was $66M. A portion of this, perhaps leveraging the strong capital position shown by the Q2 2025 net income of $3.7 million (compared to Q3 2025 net income of $802.0k), could be allocated to a strategic FinTech investment. This is a direct investment in a new product/market, distinct from the existing partnership with Meriwether Group. The current market capitalization is $83.1M, with an Enterprise Value of $285.11 million, providing a benchmark for potential venture valuation.

Metric	First Northwest Bancorp (FNWB) Data	Market Opportunity Data
TTM Revenue (Sep 2025)	$66M	N/A
Niche Fund Loan Size	$500,000 to $5 million	State of Oregon Commitment: Initial $3 million
Acquisition Target Market Size (CA Insurance Brokerage)	N/A	$28.9bn (2025)
Specialized Lending Market Size (US Healthcare Finance)	N/A	$166.41 billion (2025)
National Platform Market CAGR (Digital Lending Platform)	N/A	26.3% (2025-2030)
Recent Profitability (Q2 2025 Net Income)	$3.7 million	N/A

• Q1 2025 Basic and diluted EPS was $0.17.
• Q3 2025 Net Interest Margin reached 2.91%.
• The company has 12 full-service branches in Washington state.
• MWGC Hero Fund return target is approximately 11 percent.
• Total non-traditional lending via Meriwether since April 2022: $6.5 million.

Finance: draft capital allocation plan for Q1 2026 by end of December.