Headquartered in Poulsbo, Washington, Liberty Bank is a state-chartered bank with $206.0M in total assets and $164.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2009.
Liberty Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 21st. Problem-loan coverage contributes the most (98/100, 1.2%); funding & liquidity contributes the least (25/100, 101% loans-to-deposits, 46% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 54 |
| Q2 2025 | 56 |
| Q3 2025 | 52 |
| Q4 2025 | 54 |
| Q1 2026 | 57 |
| Q2 2026 | 57 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.86% |
| Q3 2024 | 10.23% |
| Q4 2024 | 9.98% |
| Q1 2025 | 9.60% |
| Q2 2025 | 9.40% |
| Q3 2025 | 9.22% |
| Q4 2025 | 9.10% |
| Q1 2026 | 9.33% |
| Q2 2026 | 9.35% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.14% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.17% |
| Q1 2025 | -0.34% |
| Q2 2025 | 0.12% |
| Q3 2025 | -0.31% |
| Q4 2025 | -0.09% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $206.0M | 9.35% | 0.14% | 0.36% | 100.8% |
| Q1 2026 | 57 | $199.8M | 9.33% | 0.15% | 0.24% | 96.3% |
| Q4 2025 | 54 | $196.4M | 9.10% | 0.15% | -0.09% | 97.2% |
| Q3 2025 | 52 | $196.2M | 9.22% | 0.15% | -0.31% | 98.5% |
| Q2 2025 | 56 | $193.2M | 9.40% | 0.15% | 0.12% | 97.4% |
| Q1 2025 | 54 | $203.8M | 9.60% | 0.16% | -0.34% | 88.6% |
| Q4 2024 | 59 | $186.8M | 9.98% | 0.16% | 0.17% | 96.3% |
| Q3 2024 | 59 | $183.6M | 10.23% | 0.17% | 0.21% | 95.1% |
| Q2 2024 | 59 | $190.7M | 9.86% | 0.16% | 0.20% | 97.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Increase BankBank Longview, WA | 71 out of 100, Strong | $150.7M | 9.6% | 0.00% | vs |
| Portage BankBank Bellevue, WA | 44 out of 100, Below average | $116.2M | 7.5% | 1.13% | vs |
| RiverBankBank Spokane, WA | 77 out of 100, Strong | $310.2M | 11.3% | 0.31% | vs |
| Pacific Crest BankBank Lynnwood, WA | 66 out of 100, Moderate | $318.5M | 11.1% | 0.47% | vs |
| UniBankBank Lynnwood, WA | 50 out of 100, Below average | $393.0M | 7.3% | 0.54% | vs |
| Baker-Boyer National BankBank Walla Walla, WA | 66 out of 100, Moderate | $692.9M | 9.3% | 0.42% | vs |
Deposit insurance
Is my money safe at Liberty Bank?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #58778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.6% of deposits ($74.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.35%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.29% (benchmark: 10%).
1 location
Branches
Liberty Bank lists 1 office in 1 city. Most locations:
- Poulsbo, WA (1)
Identity & history
Profile
- Legal name
- Liberty Bank
- Former names
- Liberty Bank of Washington; Liberty Bay Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58778
- RSSD ID
- 3943210
- Primary regulator
- FDIC
- Holding company
- Liberty Northwest Bcorp Inc
- Established
- June 11, 2009
- Headquarters
- 20150 7th Ave Ne, Poulsbo, WA 98370
- Website
- www.libertybanknw.com
- Employees
- 23
Quick answers
Liberty Bank: common questions
Is Liberty Bank FDIC insured?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #58778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Liberty Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Liberty Bank ever failed?
There is no failure record for FDIC certificate #58778 in the FDIC failed bank list.
How many branches does Liberty Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Poulsbo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Timberland BankBank Hoquiam, WA | 78 out of 100, Strong | $2.1B | 12.9% | 0.56% | vs |
| Peoples BankBank Bellingham, WA | 78 out of 100, Strong | $2.4B | 13.3% | 0.11% | vs |
| Boeing Employees Credit UnionCredit union Tukwila, WA | 75 out of 100, Strong | $29.6B | 12.6% | 0.42% | vs |