Liberty Bank (Poulsbo, WA)
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank is an FDIC-insured commercial bank headquartered in Poulsbo, WA, established in 2009 (FDIC certificate 58778), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $206.0M, up 6.6% from Q2 2025, the 23rd largest of 29 banks headquartered in Washington. Its CET1 capital ratio was 12.41% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58778
- Headquarters
- Poulsbo, WA
- Established
- 2009
- Total assets, Q2 2026
- $206.0M
- Assets vs Q2 2025
- +6.6%
- CET1 ratio, Q2 2026
- 12.41%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 125108984
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank call report
- Holding company
- LIBERTY NORTHWEST BANCORP, INC.
- Asset rank in state
- 23rd of 29 in Washington
Liberty Bank spends more to run itself than most banks of its size. Its balance sheet stood at $206 million at June 30, 2026, up 6.6% from a year earlier; it is based in Poulsbo, Washington. It spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $0.47 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
Net income for the quarter slipped 14% from a year earlier, to $237,000. Over the same year, loans grew 8.4% and deposits grew 4.8%. Its margin is thin by comparison: it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Liberty Bank reported a CET1 capital ratio of 12.41%, a return on assets of 0.47%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.22%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in Washington, Liberty Bank is the 23rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.1% to $206.0M, loans rose 5.1% and deposits rose 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.5% of total loans, ahead of owner-occupied commercial real estate loans at 16.5%. The FDIC Summary of Deposits lists a single office for it, in Poulsbo, WA. Judged on its Q2 2026 call report, Liberty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 20150 7th Ave Ne, Poulsbo, WA 98370
- County
- Kitsap
- Metro Area
- Bremerton-Silverdale-Port Orchard, WA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 11, 2009
- Former names
- Liberty Bay Bank (2010-2020)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $164.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $199.9M
- Average total loans
- $160.9M
- Average interest-bearing deposits
- $124.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 11, 2009
- FDIC Cert
- 58778
- Fed RSSD
- 3943210
- SEC CIK
- 1852629 → filed by LIBERTY NORTHWEST BANCORP, INC.
- Website
- www.libertybanknw.com →
- Parent Holding Company
- LIBERTY NORTHWEST BANCORP, INC. (RSSD 5515488)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Liberty Bank's total assets ranged from $183.6M (Q3 2024) to $206.0M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$206.0M total assets against $193.2M; $188.1M total liabilities against $176.2M.
$165.8M net loans and leases against $152.9M; $164.4M total deposits against $157.0M.
$6.7M securities against $9.9M; $25.0M cash and balances due against $21.6M.
$2.6M total interest income against $2.5M; $1.0M total interest expense against $1.2M.
$1.6M net interest income against $1.3M.
$98K total noninterest income against $618K; $1.4M total noninterest expense against $1.2M.
$0 provision for credit losses against $50K.
$237K net income against $277K.
0.47% return on assets against 0.56%; 3.27% net interest margin against 2.77%.
12.41% CET1 capital ratio against 13.52%; 9.35% tier 1 leverage ratio against 9.40%.
Inside the full Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Liberty Bank rankings
Its closest position to the top of a national ranking is 2,928 of 4,196, for total assets; its furthest is 3,306 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.17% (Q3 2025) to 0.57% (Q4 2025) and its net interest margin ran from 2.46% (Q4 2024) to 3.27% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.41% | 0.47% | 0.14% | 1.22% | 3.27% |
| Q1 2026 | 13.19% | 0.24% | 0.15% | 1.24% | 3.00% |
| Q4 2025 | 13.14% | 0.57% | 0.15% | 1.26% | 3.01% |
| Q3 2025 | 12.63% | -1.17% | 0.15% | 1.28% | 2.97% |
| Q2 2025 | 13.52% | 0.56% | 0.15% | 1.29% | 2.77% |
| Q1 2025 | 13.63% | -0.35% | 0.16% | 1.23% | 2.55% |
| Q4 2024 | 14.87% | 0.07% | 0.16% | 1.23% | 2.46% |
| Q3 2024 | 15.00% | 0.22% | 0.17% | 1.25% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Bank (main office) | Poulsbo , WA | 98370 | $164.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WA, rank 44 of 61 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $340K approved, $340K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Liberty Bank
What are Liberty Bank's total assets?
As of the Q2 2026 filing, Liberty Bank reported total assets of $206.0 million in its FFIEC call report.
Where is Liberty Bank headquartered?
It is headquartered in Poulsbo, WA, United States.
When was Liberty Bank founded?
It was established in 2009, per the FDIC institution directory.
Is Liberty Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank?
Liberty Bank's primary federal regulator is the FDIC.
What is Liberty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.41% in its Q2 2026 call report, above regulatory requirements.
How many branches does Liberty Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank's Texas Ratio?
Its Texas Ratio is 1.22% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Liberty Bank previously called?
The charter now named Liberty Bank has also operated as Liberty Bay Bank (2010-2020), per FDIC structure-change records.
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