Liberty Bank
Total assets
$9.38B
▲ +10.7% YoY
Deposits
$7.12B
▲ +5.0% YoY
Loans
$7.25B
▲ +13.4% YoY
Offices
51
LIBERTY FINANCIAL CORP
ROA (annualized)
1.30%
peers 1.26%
ROE (annualized)
9.92%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +5.5% | +5.2 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.0 pts |
| Loan growth (YoY) | +13.4% | +5.9% | +7.4 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
Profile
- Established
- 1825
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LIBERTY FINANCIAL CORP
- Specialization
- Commercial Lending Specialization
- Address
- 245 Long Hill Rd, Middletown, CT, 06457
- County
- Lower Connecticut River Valley
- Offices
- 51
- FDIC cert #
- 17943
- RSSD ID
- 587800
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.38B | $7.12B | $7.25B | $1.23B | $59.1M | 1.30% | 3.45% | 0.25% |
| Q1 2026 | $9.02B | $7.13B | $6.95B | $1.17B | $5.8M | 0.26% | 3.44% | 0.30% |
| Q4 2025 | $8.98B | $6.95B | $6.90B | $1.17B | $84.3M | 0.99% | 3.45% | 0.31% |
| Q3 2025 | $8.68B | $6.90B | $6.57B | $1.16B | $68.9M | 1.10% | 3.46% | 0.33% |
| Q2 2025 | $8.47B | $6.78B | $6.40B | $1.12B | $33.9M | 0.82% | 3.38% | 0.34% |
| Q1 2025 | $8.18B | $6.71B | $6.14B | $1.08B | $-3.3M | -0.16% | 3.34% | 0.42% |
| Q4 2024 | $8.10B | $6.51B | $6.05B | $1.08B | $62.4M | 0.80% | 3.38% | 0.52% |
| Q3 2024 | $7.90B | $6.42B | $5.88B | $1.09B | $58.1M | 1.00% | 3.41% | 0.52% |
Loan mix (Q2 2026): real estate $5.98B · commercial $1.15B · consumer $188.3M · securities $1.42B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.70% | 34th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 59.0% | 88th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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