BlastPoint's Banking Scorecard
Liberty Bank
Poulsbo, WA
Liberty Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12.1% in tier
- - Liquidity Strain: Bottom 41.2% in tier
- - Return on Assets 1.02% below tier average
- - Efficiency Ratio 24.53% above tier average
- - Net Interest Margin 0.87% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.8M
-2.0% YoY
+1.7% QoQ
|
-$186.3M |
$386.1M
+0.5% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$157.7M
+6.0% YoY
+1.4% QoQ
|
-$98.0M |
$255.7M
+1.1% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$163.9M
-2.5% YoY
+2.4% QoQ
|
-$164.1M |
$328.0M
+0.1% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.24%
+172.3% YoY
+387.4% QoQ
|
-1.02% |
1.27%
+12.9% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.0% in tier |
| Net Interest Margin ? |
3.06%
+22.4% YoY
+6.2% QoQ
|
-0.87% |
3.93%
+6.0% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio ? |
89.82%
-10.1% YoY
+11.0% QoQ
|
+24.53% |
65.29%
-4.5% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate ? |
0.15%
-5.7% YoY
-1.3% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
96.25%
+8.7% YoY
-1.0% QoQ
|
+19.62% |
76.64%
+0.8% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.04%
-9.6% YoY
-1.6% QoQ
|
+3.02% |
22.02%
-1.0% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.12%
+2.0% YoY
-1.7% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
13.19%
-3.2% YoY
+0.4% QoQ
|
-2.64% |
15.83%
+1.5% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.04%
+6.3% YoY
-91.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.