This institution is no longer active

Operations ceased on July 20, 2000. CRA examination history below reflects the period it was active.

NORTH SOUND BANK

POULSBO, WA · Supervised by FDIC

Est. 1980FDIC #23,020RSSD: FDIC-23020

Part ofLIBERTY BAY FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: May 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.56%

Is this bank safe?

NORTH SOUND BANK earned an Outstanding CRA rating (1998), is financially strong (ROA +1.56%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

19950 Seventh Avenue Northeast, POULSBO, WA

County

Kitsap County

Established

January 2, 1980

Total Assets

$183M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 28 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2000Call Report / FDIC

Total Assets

$183M

Total Deposits

$159M

Net Loans

$145M

Net Income

$1M

ROA

1.56%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.03%

Risk-Based Capital

12.95%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.56%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.95%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 1998	Outstanding	Small Bank
May 1995	Satisfactory	Not Reported
May 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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