| Metric | Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 1.67% | 1.24% | +0.4 pts |
| ROE | 13.2% | 11.9% | +1.3 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 | $193.9M | $167.4M | $117.9M | $24.6M | $1.6M | 1.67% | 4.65% | 0.08% |
| Q1 2026 | $192.4M | $166.0M | $114.1M | $24.2M | $763K | 1.61% | 4.45% | 0.06% |
| Q4 2025 | $186.5M | $160.6M | $115.6M | $23.9M | $3.0M | 1.64% | 4.86% | 0.02% |
| Q3 2025 | $187.8M | $161.5M | $115.8M | $23.8M | $2.6M | 1.92% | 4.67% | 0.07% |
| Q2 2025 | $179.3M | $154.6M | $117.4M | $22.7M | $1.7M | 1.91% | 4.67% | 0.07% |
| Q1 2025 | $134.5M | $118.1M | $94.6M | $14.5M | $566K | 1.71% | 4.43% | 0.02% |
| Q4 2024 | $130.1M | $114.4M | $90.1M | $14.0M | $1.9M | 1.49% | 4.35% | 0.11% |
| Q3 2024 | $131.4M | $115.1M | $90.0M | $14.2M | $1.5M | 1.62% | 4.44% | 0.04% |
Loan mix (Q2 2026): real estate $84.9M · commercial $7.7M · consumer $9.9M · securities $46.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 62.9% | 13th |
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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