| Metric | Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +4.4% | +14.6 pts |
| Deposit growth (YoY) | +19.5% | +4.0% | +15.6 pts |
| Loan growth (YoY) | +18.1% | +5.6% | +12.5 pts |
| ROA | 1.69% | 1.24% | +0.5 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $258.6M | $229.9M | $182.2M | $27.4M | $2.1M | 1.69% | 4.93% | 0.11% |
| Q1 2026 | $238.5M | $211.0M | $175.3M | $26.5M | $959K | 1.62% | 4.93% | 0.31% |
| Q4 2025 | $235.9M | $209.4M | $166.4M | $25.6M | $3.4M | 1.52% | 4.94% | 0.18% |
| Q3 2025 | $231.5M | $204.8M | $160.0M | $25.8M | $2.6M | 1.57% | 4.90% | 0.19% |
| Q2 2025 | $217.4M | $192.3M | $154.3M | $24.3M | $1.6M | 1.47% | 4.81% | 0.14% |
| Q1 2025 | $213.3M | $188.9M | $150.4M | $23.5M | $812K | 1.55% | 4.70% | 0.28% |
| Q4 2024 | $206.9M | $183.8M | $139.8M | $22.4M | $2.7M | 1.33% | 4.44% | 0.14% |
| Q3 2024 | $205.8M | $181.5M | $139.5M | $23.3M | $2.0M | 1.34% | 4.41% | 0.21% |
Loan mix (Q2 2026): real estate $154.7M · commercial $12.4M · consumer $11.9M · securities $34.8M
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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 | 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 | 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 | 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 | 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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