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Liberty Bank

Poulsbo, WA · Cert 58778 · Liberty Northwest Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank

Poulsbo, WA · Cert 58778 · Liberty Northwest Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$206.0MAssets
$167.1MLoans
$164.4MDeposits
$17.9MEquity
Loan mix
77%RE $120.4M12%C&I $18.1M11%Consumer $18.0MQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $125.0M24%Noninterest $39.4MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.76%Q2 ’255.09%Q2 ’260%+20%

Non-interest income vs. expense

2.53%Q2 ’242.44%Q2 ’252.72%Q2 ’26-27%+47%

Market Position · Bremerton-Silverdale-Port Orchard, WA · 2026 SOD (annual) · 3.9% share · #7 of 13 inst. · $0.2B of $4.2B

Executive Summary

  • Earnings: ROA of 0.36%, up 24 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.14% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.35%, down 5 bps from a year ago.
  • Funding: loans stand at 101.60% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+50 bps YoY

Efficiency Ratio (YTD, annualized)

85.74%+995 bps YoY

Tier 1 Leverage Ratio

9.35%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%-0.31%-0.09%0.24%0.36%+24 bps
Return on Equity1.27%-3.47%-0.95%2.77%4.06%+279 bps
Net Interest Margin2.50%2.66%2.65%2.89%3.00%+50 bps
Efficiency Ratio75.78%82.52%80.94%89.82%85.74%+995 bps
Non-Interest Burden1.74%2.11%2.07%2.58%2.55%+81 bps
Growth
Asset Growth (YoY)1.27%6.84%5.13%-1.97%6.64%+537 bps
Loan Growth (YoY)6.90%11.75%9.96%6.04%8.36%+145 bps
Deposit Growth (YoY)6.53%7.94%8.95%-2.46%4.75%-178 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.15%0.15%0.15%0.14%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.84%0.85%0.83%0.79%-3 bps
Allowance Coverage of NPLs5.4x5.7x5.6x5.6x5.6x+0.3x
Capital
Tier 1 Leverage Ratio9.40%9.22%9.10%9.33%9.35%-5 bps
Total Risk-Based Capital14.45%13.58%14.10%14.14%13.29%-116 bps
Equity / Assets8.79%8.68%8.85%8.81%8.70%-9 bps
Liquidity & Funding
Loans / Deposits98.22%99.32%98.04%97.06%101.60%+338 bps
Liquid Assets / Assets9.71%11.96%11.67%13.15%10.90%+119 bps
CRE / Total Capitaln/a295%279%294%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank

Poulsbo, WA · Cert 58778 · Peer group: banks under $1B in assets (n=581-629) · Liberty Northwest Bcorp Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$206.0MAssets
$167.1MLoans
$164.4MDeposits
$17.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on assets trails 86% of banks under $1B in assets (rank 540 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.35%

Rank 540 of 629

Net Interest Margin

3.00%

Rank 475 of 629

Efficiency Ratio

85.74%

Rank 520 of 629

Equity / Assets

8.70%

Rank 503 of 629

Non-interest income vs. expense

$0.3M$5.4MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 17% of banks under $1B in assets
Bank 85.74%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.60%1.01%1.45%Beats 14%540 / 629
Return on Equity4.00%5.38%9.30%13.28%Beats 18%516 / 629
Net Interest Margin3.00%3.03%3.54%4.05%Beats 24%475 / 629
Efficiency Ratio85.74%58.35%67.79%79.08%Beats 17%520 / 629
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.46%1.20%Beats 70%173 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio12.41%11.24%13.84%18.77%Beats 37%395 / 629
Total Risk-Based Capital Ratio13.29%11.58%14.43%19.66%Beats 41%372 / 629
Equity / Assets8.70%9.09%10.65%13.80%Beats 20%503 / 629
Liquidity & Funding
Loans / Deposits101.60%67.24%80.90%93.48%88th pctl71 / 594
Loans / Assets81.12%53.31%67.71%78.15%83rd pctl104 / 629
Brokered Deposits / Depositsn/aNot reported for this institution