LIBERTY BANK

POULSBO, WA | Small | Est. June 11, 2009, midnight | FDIC #58778 | RSSD #3943210 | FDIC
Latest Report: 2025-12-31

LIBERTY BANK is asn small FDIC-insured commercial bank headquartered in POULSBO, WA, established in June 11, 2009, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $160M. Profitability stands at 0.59% ROA and 6.70% ROE, with a net interest margin of 3.22%. The bank's CET1 capital ratio is 13.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.26%. FDIC Certificate #58778.

Assets

$196M

Deposits

$160M

Loans

$157M

Equity

$17M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 6.70%
Net Interest Margin (NIM) 3.22%
Yield on Assets 5.72%
Cost of Funds 2.54%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.26%
NPA Ratio 0.12%
ACL / Loans 0.85%

Capital & Liquidity

CET1 Ratio 13.14%
Tier 1 Capital 13.14%
Total Capital Ratio 14.10%
Leverage Ratio 9.10%
Loan-to-Deposit 98.04%

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