0.24%
+172.3%y/y
Peer standing5th percentile
FDIC
NETINC + ROALB
Liberty Bank
Poulsbo, WashingtonFDIC Cert #58778
STATEEstablished 20091 branch
Holding company: LIBERTY NORTHWEST BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
2.77%
+175.0%y/y
Peer standing6th percentile
FDIC
NETINC + ROE0.31%
+321.8%y/y
Peer standing5th percentile
FDIC
PTAXNETINC + ASSET3.06%
+22.4%y/y
Peer standing11th percentile
FDIC
NIM + NIMY5.32%
+10.4%y/y
Peer standing39th percentile
FDIC
INTINCY3.44%
−2.6%y/y
Peer standing7th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
89.82%
−10.1%y/y
Peer standing4th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.73%
+7.9%y/y
Peer standing42nd percentile
FDIC
NONIX + ASSET4.99%
−15.0%y/y
Percentile by value20th percentileby value
FDIC
NONII + NIM−1.97%
−121.5%y/y
Percentile by value10th percentileby value
FDIC
ASSET−2.46%
−112.8%y/y
Percentile by value11th percentileby value
FDIC
DEP+6.01%
+11.1%y/y
Percentile by value53rd percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.24%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDIC
NETINC + ROE2.77%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDIC
NIM + NIMY3.06%11th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.82%4th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDIC
DEP−2.46%11th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDIC
LNLSNET+6.01%53rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%34th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDIC
RBC1AAJ9.33%18th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 11.00%90th 15.77%Observations 1,099
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.44%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC132%63rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 99%90th 243%Observations 514
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.24%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.18%Median 0.96%90th 1.59%Observations 23
ROE
FDIC
NETINC + ROE2.77%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.35%Median 8.76%90th 15.24%Observations 23
NIM
FDIC
NIM + NIMY3.06%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.06%Median 3.97%90th 5.40%Observations 23
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR89.82%14th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.59%Median 65.76%90th 94.40%Observations 23
Deposits YoY
FDIC
DEP−2.46%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −7.16%Median +2.84%90th +30.77%Observations 23
Loans YoY
FDIC
LNLSNET+6.01%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.36%Median +2.43%90th +18.89%Observations 23
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.15%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.56%90th 1.60%Observations 23
Leverage
FDIC
RBC1AAJ9.33%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.28%Median 10.60%90th 12.97%Observations 23
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.44%9th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.10%Median 2.04%90th 3.41%Observations 23
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC132%13th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 123%Median 251%90th 340%Observations 16
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.