BlastPoint's Banking Scorecard
Liberty Bank
Micro
Specialty: Commercial
WA
FDIC cert 58778
Designations: ✓ Community bank
Poulsbo, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Liberty Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.17% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.4M
+5.1% YoY
+0.1% QoQ
|
-$21.1M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$155.6M
+9.9% YoY
-0.8% QoQ
|
+$16.4M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$160.1M
+8.9% YoY
+0.5% QoQ
|
-$23.6M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
-0.09%
-149.3% YoY
+72.6% QoQ
|
-1.17% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.88%
+14.4% YoY
+3.3% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
80.94%
-16.0% YoY
-1.9% QoQ
|
+13.21% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.15%
-9.0% YoY
+0.8% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
97.21%
+0.9% YoY
-1.3% QoQ
|
+22.68% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.44%
+1.3% YoY
+3.9% QoQ
|
+3.05% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.12%
-4.9% YoY
-0.1% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.14%
-11.6% YoY
+4.0% QoQ
|
+4.29% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.43%
+173.6% YoY
+9.5% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.09%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.21% · Tier avg: 74.53%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 22.39%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $155.6M · Tier avg: $139.2M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Total Assets
Current: $196.4M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $160.1M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.08%
Top Weaknesses
6
6th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
19
19th pctile
Efficiency Ratio
Current: 80.94% · Tier avg: 67.73%
48
48th pctile
Total Deposits
Current: $160.1M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $196.4M · Tier avg: $217.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
62
62th pctile
Total Loans
Current: $155.6M · Tier avg: $139.2M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.14% · Tier avg: 8.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.44% · Tier avg: 22.39%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.21% · Tier avg: 74.53%