Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Weak (2.3) profitability.
Other Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (7.9). Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 9.4.
Asset Mix:
Home mtgs (24%), comm re (23%), cash (12%), comm loans (9%), consumer loans (8%), home eq lns (4%), securities (3%), other (18%)
States with Branches:
WA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Liberty Northwest Bancorp, Inc.
Investment Rating
--
Address
20150 Seventh Avenue, NE
Poulsbo, WA 98370
Poulsbo, WA 98370
Phone Number
(360) 779-4567
Year Founded
2009
FDIC Number
Website
Largest Affiliates
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