| Metric | First Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Deposit growth (YoY) | +10.2% | +4.3% | +5.9 pts |
| Loan growth (YoY) | +4.3% | +5.3% | -1.0 pts |
| ROA | 1.07% | 1.28% | -0.2 pts |
| ROE | 9.5% | 12.4% | -2.9 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $885.0M | $768.3M | $714.3M | $97.8M | $4.6M | 1.07% | 4.21% | 0.06% |
| Q1 2026 | $835.3M | $720.6M | $695.5M | $96.2M | $2.1M | 0.98% | 4.08% | 0.94% |
| Q4 2025 | $851.2M | $735.4M | $690.7M | $95.0M | $10.1M | 1.24% | 4.19% | 0.94% |
| Q3 2025 | $835.7M | $717.1M | $675.7M | $94.8M | $7.4M | 1.22% | 4.17% | 1.06% |
| Q2 2025 | $817.1M | $697.2M | $684.6M | $92.3M | $4.9M | 1.22% | 4.13% | 0.99% |
| Q1 2025 | $806.4M | $687.5M | $671.2M | $90.4M | $2.2M | 1.08% | 4.11% | 1.03% |
| Q4 2024 | $783.9M | $666.8M | $641.4M | $88.8M | $8.2M | 1.11% | 4.00% | 1.10% |
| Q3 2024 | $733.1M | $617.6M | $615.5M | $88.1M | $5.8M | 1.07% | 3.97% | 1.16% |
Loan mix (Q2 2026): real estate $502.5M · commercial $221.5M · consumer $843K · securities $41.4M
| Ratio | First Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 12.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 61.2% | 62th |
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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