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
Unfavorable gap of $5.1M · efficiency ratio beats 17% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.60% | 1.01% | 1.45% | Beats 14% | 540 / 629 | | |
| Return on Equity | 4.00% | 5.38% | 9.30% | 13.28% | Beats 18% | 516 / 629 | | |
| Net Interest Margin | 3.00% | 3.03% | 3.54% | 4.05% | Beats 24% | 475 / 629 | | |
| Efficiency Ratio | 85.74% | 58.35% | 67.79% | 79.08% | Beats 17% | 520 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.46% | 1.20% | Beats 70% | 173 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.41% | 11.24% | 13.84% | 18.77% | Beats 37% | 395 / 629 | | |
| Total Risk-Based Capital Ratio | 13.29% | 11.58% | 14.43% | 19.66% | Beats 41% | 372 / 629 | | |
| Equity / Assets | 8.70% | 9.09% | 10.65% | 13.80% | Beats 20% | 503 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.60% | 67.24% | 80.90% | 93.48% | 88th pctl | 71 / 594 | | |
| Loans / Assets | 81.12% | 53.31% | 67.71% | 78.15% | 83rd pctl | 104 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |