Total Assets
$196M
Total balance-sheet footings
FDIC Cert #58778 · Poulsbo, Washington · Est. 2009
Liberty Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $196M
- Total assets
- C
- Health grade · Fair
- -0.09%
- Return on assets
- 13.1%
- Tier 1 capital
Data updated July 2026
The verdict
Liberty Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 13.14% Tier 1, -0.09% ROA, 81% efficiency ratio.
- #3,029
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 13.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 58778 · WA C · 55/100
GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (55/100)
- BOTTOM-DECILE #4045/4307
- PHOTO-FINISH Grand River Bank · MI
- TIER1-WELL 13.1% Tier 1
- TEXAS-CLEAN 1.3% Texas
- ROA-LOSS -0.09% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Washington: Grand River Bank, MI (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Liberty Bank
Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.
Call Report read for Liberty Bank in a high-failure state
Liberty Bank (FDIC Cert #58778) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,045 of 4,307. Tier 1 capital prints at 13.14%, clearing the 10% well-capitalized line. The Texas Ratio is 1.26%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.09%. Balance-sheet scale is $196M, 3,029th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Grand River Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Liberty Bank
19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus
Liberty Bank sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Liberty Bank's current Call Report.
- HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
- WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
- BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.
How Liberty Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.14%) 35/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (1.26%) 20/20
Efficiency Ratio (80.94%) 0/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$160M
Customer-funded liabilities
Net Loans
$156M
Outstanding loan book
Net Income
$-166K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Liberty Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty Bank's score of 55/100 falls in the highlighted band.
Liberty Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
55 6th percentile higher than 6% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Liberty Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Liberty Bank's $196M falls in the highlighted band.
Capital & credit buffers at Liberty Bank
Tier 1 capital ratio
Well-capitalized 10%
13.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.14%
Texas Ratio
1.26%
Equity Capital
$17M
Profitability metrics: Liberty Bank
Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-0.95%
Efficiency Ratio
80.94%
Income & expense: loss period at Liberty Bank
$10M
Interest Income
$840K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty Bank reports a Texas Ratio of 1.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Liberty Bank
Liberty Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-166K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Liberty Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Washington by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($196M here), outside Washington so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty Bank (FDIC Cert #58778) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Liberty Bank Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WaFd BankSeattle | $27.3B | B | 0.91% |
| Banner BankWalla Walla | $16.3B | A | 1.24% |
| Washington Trust BankSpokane | $10.7B | B | 0.89% |
| Heritage BankOlympia | $7.0B | A | 1.07% |
| Coastal Community BankEverett | $4.7B | A | 1.11% |
| 1st Security Bank of WashingtonMountlake Terrace | $3.2B | A | 1.14% |
| Peoples BankBellingham | $2.5B | B | 1.00% |
| Cashmere Valley BankCashmere | $2.3B | A | 1.33% |