| Metric | First Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +23.2% | +5.3% | +17.8 pts |
| ROA | 1.34% | 1.28% | +0.1 pts |
| ROE | 11.9% | 12.4% | -0.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $873.2M | $763.3M | $489.5M | $99.3M | $5.9M | 1.34% | 4.71% | 0.34% |
| Q1 2026 | $890.0M | $783.7M | $475.4M | $97.8M | $2.8M | 1.27% | 4.57% | 0.40% |
| Q4 2025 | $866.4M | $750.2M | $465.8M | $97.6M | $10.8M | 1.40% | 4.83% | 0.23% |
| Q3 2025 | $820.5M | $704.7M | $443.1M | $94.4M | $7.7M | 1.37% | 4.78% | 0.20% |
| Q2 2025 | $825.4M | $714.9M | $397.4M | $90.7M | $5.1M | 1.43% | 4.63% | 0.12% |
| Q1 2025 | $857.9M | $751.3M | $381.0M | $88.1M | $2.2M | 1.31% | 4.26% | 0.09% |
| Q4 2024 | $481.1M | $419.6M | $323.8M | $42.6M | $5.1M | 1.05% | 3.77% | 0.33% |
| Q3 2024 | $475.1M | $409.7M | $318.9M | $45.0M | $3.7M | 1.02% | 3.64% | 0.40% |
Loan mix (Q2 2026): real estate $429.0M · commercial $47.3M · consumer $7.3M · securities $244.1M
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 61.2% | 54th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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