Liberty Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 50.42 percentage points in Q2 2026, from 132.44% to 182.86%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank ranks 4th of 29 Washington banks on loan-to-deposit ratio, in the upper half at 101.60% (Q2 2026). Liberty Bank reported 101.60% on loan-to-deposit ratio for Q2 2026, 20.76 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $167.1M |
| Net loans and leases | $165.8M |
| Loans held for sale | $0 |
| Loans to total assets | 81.12% |
| Loan-to-deposit ratio | 101.60% |
| Net loans to equity capital | 9.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.84% |
| Multifamily (5+ residential) | 5.25% |
| Commercial and industrial | 10.55% |
| Consumer | 9.58% |
| Credit cards | 0.00% |
| Farm | 5.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.86% |
| Construction concentration (Tier 1 capital + allowance) | 44.16% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.82% |
| Interest income on loans | $2.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $140.0M | $143.7M | 30.54% | 5.48% | 6.45% |
| Q4 2023 | $144.0M | $142.7M | 31.22% | 5.34% | 7.33% |
| Q1 2024 | $142.3M | $140.8M | 31.38% | 5.84% | 7.33% |
| Q2 2024 | $144.2M | $147.4M | 31.48% | 5.91% | 6.91% |
| Q3 2024 | $141.5M | $147.5M | 30.88% | 6.59% | 6.50% |
| Q4 2024 | $142.7M | $146.9M | 30.86% | 7.41% | 6.10% |
| Q1 2025 | $150.0M | $168.0M | 28.74% | 10.91% | 8.60% |
| Q2 2025 | $154.2M | $157.0M | 26.75% | 10.61% | 12.12% |
| Q3 2025 | $158.1M | $159.2M | 27.39% | 10.30% | 13.28% |
| Q4 2025 | $156.9M | $160.1M | 26.25% | 11.14% | 12.61% |
| Q1 2026 | $159.0M | $163.9M | 27.29% | 11.37% | 11.31% |
| Q2 2026 | $167.1M | $164.4M | 27.84% | 10.55% | 9.58% |
Liberty Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58778) · FFIEC NIC profile (RSSD 3943210)