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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.72% | 0.16% | 0.13% | 0.57% | 1.25% | 1.02% | 0.84% | +72 bps | |
| Return on Equity | 6.97% | 8.27% | 1.81% | 1.42% | 6.26% | 13.51% | 10.49% | 8.95% | +752 bps | |
| Net Interest Margin | 2.95% | 2.94% | 2.93% | 2.98% | 3.01% | 3.15% | 3.24% | 3.15% | +17 bps | |
| Efficiency Ratio | 79.68% | 78.56% | 80.75% | 78.35% | 80.77% | 66.37% | 75.48% | 77.48% | -87 bps | |
| Non-Interest Burden | 2.20% | 2.15% | 2.22% | 2.18% | 2.28% | 1.56% | 2.24% | 2.28% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.01% | 3.63% | 3.13% | 1.07% | 0.50% | 0.04% | -1.11% | -0.73% | -180 bps | |
| Loan Growth (YoY) | 6.01% | 10.97% | 7.99% | 7.24% | 8.47% | 4.86% | 1.82% | 0.07% | -716 bps | |
| Deposit Growth (YoY) | -8.31% | -6.84% | -5.28% | 0.10% | 4.47% | 2.15% | 5.27% | 3.75% | +365 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.03% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.11% | -0.01% | -0.06% | 0.00% | 0.01% | -10 bps | |
| Allowance / Loans | 1.18% | 1.19% | 1.11% | 1.07% | 1.07% | 1.09% | 1.03% | 1.04% | -3 bps | |
| Allowance Coverage of NPLs | 217.0x | n/a | 39.3x | n/a | 9841.0x | 120.9x | 1556.3x | 9316.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.24% | 11.18% | 11.12% | 11.05% | 11.36% | 11.53% | 11.72% | 10.33% | -72 bps | |
| Total Risk-Based Capital | 16.94% | 16.47% | 16.92% | 16.56% | 16.66% | 16.75% | 17.53% | 15.65% | -91 bps | |
| Equity / Assets | 8.79% | 8.60% | 9.34% | 8.93% | 9.16% | 9.34% | 10.04% | 8.84% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.09% | 66.36% | 65.12% | 64.84% | 64.46% | 68.12% | 62.99% | 62.54% | -230 bps | |
| Liquid Assets / Assets | 2.78% | 2.94% | 2.74% | 2.22% | 2.15% | 2.91% | 4.08% | 4.47% | +226 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | 335% | 378% | n/a | |