Port Orchard, WA · Cert 6161
FDIC · 17 branches
Q4 2025
Market Position · Bremerton-Silverdale-Port Orchard, WA · 2025 SOD (annual) · 20.7% share · #2 of 13 inst. · $0.9B of $4.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.57% | 0.91% | 0.95% | 0.92% | +52 bps | |
| Return on Equity | 4.55% | 6.26% | 9.92% | 10.10% | 9.95% | +539 bps | |
| Net Interest Margin | 2.93% | 3.01% | 3.07% | 3.13% | 3.16% | +22 bps | |
| Efficiency Ratio | 79.34% | 80.77% | 72.70% | 73.59% | 74.50% | -484 bps | |
| Non-Interest Burden | 2.17% | 2.28% | 1.91% | 2.02% | 2.10% | -8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.07% | 0.50% | 0.04% | -1.11% | -0.73% | -180 bps | |
| Loan Growth (YoY) | 7.24% | 8.47% | 4.86% | 1.82% | 0.07% | -716 bps | |
| Deposit Growth (YoY) | 0.10% | 4.47% | 2.15% | 5.27% | 3.75% | +365 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.01% | -0.03% | -0.02% | -0.01% | -4 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.09% | 1.03% | 1.04% | -3 bps | |
| Allowance Coverage of NPLs | n/a | 9841.0x | 120.9x | 1556.3x | 9316.0x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.05% | 11.36% | 11.53% | 11.72% | 10.33% | -72 bps | |
| Total Risk-Based Capital | 16.56% | 16.66% | 16.75% | 17.53% | 15.65% | -91 bps | |
| Equity / Assets | 8.93% | 9.16% | 9.34% | 10.04% | 8.84% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.84% | 64.46% | 68.12% | 62.99% | 62.54% | -230 bps | |
| Liquid Assets / Assets | 2.22% | 2.15% | 2.91% | 4.08% | 4.47% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | 335% | 378% | n/a | |