Liberty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank of Poulsbo, WA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.47% | 1.34% | -0.87% | 12th bottom |
| ROAE | 5.34% | 13.32% | -7.98% | 15th bottom |
| Net Interest Margin | 3.27% | 3.93% | -0.66% | 19th bottom |
| Efficiency Ratio | 82.07% | 61.14% | +20.93% | 12th bottom |
| PPNR / Avg Assets | 0.60% | 1.68% | -1.08% | 10th bottom |
| Yield on Earning Assets | 5.41% | 5.67% | -0.26% | 40th below |
| Cost of Funds | 2.28% | 1.88% | +0.40% | 22nd bottom |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.79% | 1.28% | -0.49% | 10th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 564.68% | 1538.88% | -974.20% | 73rd above |
| Texas Ratio | 1.22% | 7.33% | -6.11% | 70th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.41% | 19.50% | -7.09% | 22nd bottom |
| Tier 1 Ratio | 12.41% | 19.54% | -7.13% | 21st bottom |
| Total Capital Ratio | 13.29% | 20.62% | -7.33% | 19th bottom |
| Leverage Ratio | 9.35% | 12.14% | -2.79% | 18th bottom |
| Equity / Assets | 8.70% | 11.37% | -2.67% | 23rd bottom |
| TCE / Tangible Assets | 8.70% | 11.09% | -2.39% | 26th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.60% | 80.63% | +20.97% | 10th bottom |
| Core Deposit Ratio | 86.50% | 86.86% | -0.36% | 36th below |
| Wholesale Funding Ratio | 11.04% | 5.03% | +6.01% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.64% | 6.85% | -0.21% | 67th above |
| Loan Growth (Y/Y) | 8.36% | 7.90% | +0.46% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.75% | 6.29% | -1.54% | 55th above |
See Liberty Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Liberty Bank profile, how to read a UBPR, or how this data updates.