# LIBERTY BANK
POULSBO, WA · FDIC certificate 58778 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $206.0M | |
| Deposits | $164.4M | |
| Loans and leases | $167.1M | |
| Total equity | $17.9M | |
| Loans / deposits | 100.79% (p92 of band) | 73.59% |
| Liquid assets / assets | 15.40% (p12 of band) | |
| Uninsured deposits / deposits | 45.57% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.04% (p86 of band) | |
| FHLB advances / assets | 11.04% | |
| Tier 1 leverage | 9.35% (p15 of band) | 11.76% |
| Unrealized securities loss / equity | -5.52% (p55 of band) | -6.57% |
| AOCI / equity | 0.84% (p96 of band) | |
| ROA (annualized) | 0.36% (p14 of band) | 1.17% |
| Net interest margin | 3.17% (p17 of band) | 3.93% |
| Efficiency ratio | 85.74% (p86 of band) | |
| Noncurrent loans | 0.14% (p37 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 564.68% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 49.34% (p79 of band) | |
| Auto loans | $9.0M (5.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.5M (14% of equity) (p99 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 2 |  | deposits shrinking, assets shrinking |
| 2013-03 | 3 | reserve under noncurrent |  |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 3 |  | reserve under noncurrent |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 1 |  | losing money |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | construction >100% equity | expense ratio p90 |
| 2015-06 | 3 | expense ratio p90 |  |
| 2015-09 | 0 |  | capital falling, construction >100% equity, expense ratio p90 |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 3 | wholesale funding >15%, capital falling | deposits shrinking |
| 2016-09 | 3 |  |  |
| 2016-12 | 1 |  | expense ratio p90, capital falling |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | losing money |  |
| 2018-03 | 2 | wholesale funding >15%, construction >100% equity | losing money |
| 2018-06 | 2 | capital falling | wholesale funding >15% |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | construction >100% equity, capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2019-09 | 2 | capital falling | wholesale funding >15% |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | assets shrinking |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15%, capital falling | expense ratio p90, assets shrinking |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | loans exceed deposits |
| 2021-03 | 0 |  | wholesale funding >15% |
| 2021-06 | 1 | assets shrinking |  |
| 2021-09 | 0 |  | assets shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | charge-offs p90 | capital falling |
| 2022-12 | 5 | loans exceed deposits, wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 5 | reserve under noncurrent | charge-offs p90 |
| 2023-06 | 3 |  | loans exceed deposits, reserve under noncurrent |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 | loans exceed deposits | deposits shrinking, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 4 | capital falling, losing money, expense ratio p90, NIM <2.5% |  |
| 2025-06 | 1 |  | losing money, expense ratio p90, NIM <2.5% |
| 2025-09 | 2 | losing money |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | capital falling, losing money |
| 2026-06 | 1 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Once ‘a beacon of hope’ in Seattle, the name Liberty Bank lives on - KNKX](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbk5pY1NGaU5OYmh6d2VIMXU4Y01GUDlKUG1xVTNsRFdzeVRvdm5fVkJUblRjYmZDTGdEN2RzSF90WUxEZWRMd1hNOTN1dW5BTVBRVGtNTlNaWTJIYnkxYUludDRiVENQcjZwRDhBanY3VGtnM1RmZmZSVTBfQmJLU0MtbWtBTmlqVHhhbG5pdnJrdnZSNElRQ2U5LUM4SWd5UlVsRktYTQ?oc=5) · KNKX
- 2026-02-26 [US regulator may share World Liberty bank application with lawmakers - Reuters](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNZld5VlRKUWE5WE55MldxbEs1cGlNaGNPU2NNeXFtTXJkakZZVzBGWkZKTS1qN2VzTUp2d2ExZ3B1WEt6QVp5V1RWbFRQQjVudDFDNUd4elRkdEdiZEFucFhJYUFqMmNKWTdOcDJUTzlYNUx0MkRweS1adjY1elladHNhMDNYT1pnUndFZ0pFOVA2WXBGQmFwYjVCVWMtdnROY2ttOVR1emVFYmJ1OEFlVnI4TFQ1M0FuOUJkaUFlR01oTkJCeXBUREFpYUJYTGNGRk1NcGdLeDBCN1ND?oc=5) · Reuters
- 2026-08-20 [Crypto bank part-owned by Trump family offers depositors way to ‘gain favor’ with White House, experts say - The Guardian](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUnZMM2x0clh2NFZJOHFSbENBd3FDUHJkRzU3ekRhd1VidUUzYUFodkJnbU8tcXF0QkpoYjctNENJd2wwNngwQkdzZlp4VmZpYURaSFlYbXI0Nm9STlJVenRZN0N5ekVwMDlnUElmbHNrRGVjTl9COFFuckhjX3dGVGlNbU9GTGJkeDhHZFdvWmZhU0ZaaEtINA?oc=5) · The Guardian
- 2026-03-26 [Rhode Island lender hires former Liberty Bank commercial real estate banker for New Haven office - Hartford Business Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxQUmI5OWlvb3E5RHdFUTlNYU8zaHNrRjlfR1RKbDFJN2Zhb05aOUpsLUNHcjM3Y2E3dk1RQ21WbFliQW9Ocng0RlJZMDBjeW9hYnowOEtFall5bUI3b2E0aWxNUTc1eGFHbF81VlVPWHFLOTNEUEo2WldUUVRlZ2xPQmdRY0o5R1pwZmhCVmlVUXJfMUFWSXBfR0VTeGpLTFRZNWtBbW9mY0JLVkU2Vm95OER4TGJWS29DMm1LUUJtcFNHZ0Jwc0hDWlRHcEFoakU?oc=5) · Hartford Business Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2018-07-02 [Liberty Bank Seattle Washington (1968-1988) and Liberty Bank Building - BlackPast.org](https://news.google.com/rss/articles/CBMitgFBVV95cUxOOVJjV1V3ajhpUVFDMlU2Rm1OVVJvUmpJeXRuRUtMMnRDZkNFTTU3R09sVEJrd0puWmhMYjZpNkx5Q3lnU1JzSmFCUUtGRXFZSTV1bXp2Z1R3cDFwUnNiTjZfS0RHTm1XWkREUjVCRUNBTGpxYjZLUkJENWhuaVhGaDJfeXNOWm80TkpWTnloa3Z6REF0N1JJQy1kTkJ3TzlkQXVvajlrTjNxZy1fLTlFWlZJWnNSdw?oc=5) · BlackPast.org
- 2022-09-07 [Tulane University welcomes Liberty Bank to the Lavin-Bernick Center for University Life - Tulane University News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZE9EWHkxQkJuQ3k4NHNhekhDLU04MTNYeW4zQUktdlJYX3NodWRLZC0xeGgxQVU5ZTc5M04zV0RXeV9DWk5fNFF4X3Bpa3ViYzRtN2k1S1NycUg5aEE0ODVVX3lISEhPUm4wQ1hac0hUUWw4WHdtUHBpM2wzT25sSEZXNDl0Znl5eDcyV2tVOW5TWjA2UEpRWnlwdGtWSkdVZjBaRmh2WjY?oc=5) · Tulane University News
- 2022-10-17 [Two generations reflect on leading Liberty Bank - WWLTV.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQNWZ1NGRrQmd0MWJCaXFiVDFZX3NlSjhHLUJrSzdkQmVJZ1k5dGt0ejBGYzZ2QWRCRDNQLVdQMmliSDlKV0ZIMFBJR3pnS2ZDeFNEclktZkc5b3dNMVR1M0txcVA0NkJUdDltYVotVzV0VVhaWF9ROHRaZ1E4cXBhSnBVUE5mT2Q4VHM4LWZaZUE5R1dhd29nbExBVkJjTEJnelRaUkhXUVQzaEhpQUo2LTNGTmlhUUtQOFBKYUJjSXZJc0t5YWJzTzVvWTVieXZKV3dPTQ?oc=5) · WWLTV.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58778 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "58778", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide