| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.9% | -4.0 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.8 pts |
| Loan growth (YoY) | -2.4% | +5.3% | -7.7 pts |
| ROA | 0.41% | 1.28% | -0.9 pts |
| ROE | 1.7% | 12.4% | -10.7 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $868.6M | $656.8M | $539.7M | $203.2M | $1.8M | 0.41% | 2.74% | 0.02% |
| Q1 2026 | $857.6M | $646.4M | $545.5M | $202.5M | $935K | 0.44% | 2.80% | 0.02% |
| Q4 2025 | $856.3M | $644.6M | $552.0M | $202.8M | $2.5M | 0.30% | 2.53% | 0.02% |
| Q3 2025 | $864.3M | $653.7M | $549.3M | $200.7M | $1.6M | 0.25% | 2.47% | 0.02% |
| Q2 2025 | $861.1M | $653.5M | $552.9M | $198.4M | $984K | 0.23% | 2.41% | 0.02% |
| Q1 2025 | $857.2M | $652.1M | $556.3M | $195.8M | $287K | 0.13% | 2.37% | 0.07% |
| Q4 2024 | $861.8M | $659.8M | $560.8M | $192.4M | $430K | 0.05% | 2.07% | 0.20% |
| Q3 2024 | $851.1M | $644.1M | $562.2M | $195.2M | $326K | 0.05% | 2.05% | 0.11% |
Loan mix (Q2 2026): real estate $542.6M · commercial $0 · consumer $0 · securities $293.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Liberty Bank for Savings | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 12.4% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 61.2% | 91th |
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 | Liberty Bank for Savings | 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 | Liberty Bank for Savings | 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 | Liberty Bank for Savings | 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 | Liberty Bank for Savings | 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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