| Metric | Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +3.0% | -8.5 pts |
| Deposit growth (YoY) | -7.8% | +2.5% | -10.3 pts |
| Loan growth (YoY) | -4.5% | +2.6% | -7.1 pts |
| ROA | 0.69% | 0.99% | -0.3 pts |
| ROE | 4.2% | 8.1% | -3.9 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.7M | $46.2M | $27.5M | $9.4M | $195K | 0.69% | 3.89% | 0.38% |
| Q1 2026 | $56.6M | $47.2M | $28.1M | $9.3M | $57K | 0.40% | 3.87% | 0.25% |
| Q4 2025 | $57.9M | $48.5M | $28.5M | $9.3M | $203K | 0.34% | 3.69% | 0.32% |
| Q3 2025 | $60.2M | $51.0M | $29.3M | $9.1M | $136K | 0.30% | 3.62% | 0.36% |
| Q2 2025 | $59.0M | $50.1M | $28.8M | $8.9M | $80K | 0.27% | 3.57% | 0.67% |
| Q1 2025 | $59.6M | $50.9M | $28.4M | $8.7M | $33K | 0.22% | 3.43% | 0.46% |
| Q4 2024 | $59.1M | $50.6M | $29.0M | $8.5M | $153K | 0.26% | 3.32% | 0.56% |
| Q3 2024 | $59.8M | $51.0M | $29.1M | $8.7M | $121K | 0.27% | 3.29% | 0.58% |
Loan mix (Q2 2026): real estate $24.1M · commercial $979K · consumer $2.6M · securities $18.0M
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.99% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 8.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 70.8% | 50th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $50.1M branch deposits. Biggest market: Lawrence, OH, ranked 7th with 6.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lawrence, OH | 2 | $50.1M | 6.24% | 7th |
Ohio: 282nd with 0.01% · Huntington-Ashland metro: 30th, 0.55% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2