Poulsbo, WA · Cert 58778 · Liberty Northwest Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Bremerton-Silverdale-Port Orchard, WA · 2026 SOD (annual) · 3.9% share · #7 of 13 inst. · $0.2B of $4.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.07% | -0.34% | 0.56% | -1.16% | 0.59% | 0.24% | 0.47% | -9 bps | |
| Return on Equity | 2.28% | 0.70% | -3.69% | 6.37% | -13.32% | 6.70% | 2.77% | 5.34% | -103 bps | |
| Net Interest Margin | 2.42% | 2.35% | 2.44% | 2.66% | 2.87% | 2.90% | 2.89% | 3.15% | +49 bps | |
| Efficiency Ratio | 96.71% | 99.40% | 99.92% | 60.43% | 97.00% | 76.16% | 89.82% | 82.07% | +2,164 bps | |
| Non-Interest Burden | 2.35% | 2.35% | 2.46% | 1.12% | 2.78% | 2.17% | 2.58% | 2.55% | +143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | 1.02% | 9.13% | 1.27% | 6.84% | 5.13% | -1.97% | 6.64% | +537 bps | |
| Loan Growth (YoY) | 1.08% | -0.92% | 5.43% | 6.90% | 11.75% | 9.96% | 6.04% | 8.36% | +145 bps | |
| Deposit Growth (YoY) | 2.68% | 2.95% | 19.28% | 6.53% | 7.94% | 8.95% | -2.46% | 4.75% | -178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.16% | 0.16% | 0.15% | 0.15% | 0.15% | 0.15% | 0.14% | -1 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.08% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.83% | 0.81% | 0.81% | 0.82% | 0.84% | 0.85% | 0.83% | 0.79% | -3 bps | |
| Allowance Coverage of NPLs | 5.0x | 4.9x | 5.2x | 5.4x | 5.7x | 5.6x | 5.6x | 5.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.23% | 9.98% | 9.60% | 9.40% | 9.22% | 9.10% | 9.33% | 9.35% | -5 bps | |
| Total Risk-Based Capital | 15.97% | 15.81% | 14.55% | 14.45% | 13.58% | 14.10% | 14.14% | 13.29% | -116 bps | |
| Equity / Assets | 9.62% | 9.61% | 8.75% | 8.79% | 8.68% | 8.85% | 8.81% | 8.70% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.93% | 97.13% | 89.28% | 98.22% | 99.32% | 98.04% | 97.06% | 101.60% | +338 bps | |
| Liquid Assets / Assets | 12.96% | 14.22% | 18.94% | 9.71% | 11.96% | 11.67% | 13.15% | 10.90% | +119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 279% | 294% | n/a | n/a | |