TellerScore

Side-by-side · Q1 2026 data

State Bank Northwest vs Liberty Bank

Bank

State Bank Northwest

Spokane Valley, Washington · $100 million – $1 billion

91of 100
Very strong

Bank

Liberty Bank

Poulsbo, Washington · $100 million – $1 billion

57of 100
Moderate

Metric by metric

MeasureState Bank NorthwestLiberty Bank
TellerScore91 (stronger)57
Capital cushion92 (stronger)44
Loan quality98 (stronger)95
Earnings100 (stronger)34
Funding & liquidity58 (stronger)25
Problem-loan coverage100 (stronger)98
Peer percentile96th14th
Total assets$223.0M$206.0M
Deposits / shares$185.4M$164.4M
Capital ratio14.16% (stronger)9.35%
Problem loans0.05% (stronger)0.14%
Net charge-offs0.00%0.00%
Return on assets2.40% (stronger)0.36%
Loans ÷ deposits85.1% (stronger)100.8%
Uninsured deposits30.8% (stronger)45.6%
Offices61
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

State Bank Northwest has the higher TellerScore (91 vs 57). On the 6 directional measures above (where higher or lower is clearly better), State Bank Northwest leads on 6 and Liberty Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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