No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.2M | $262.9M | $135.9M | $26.9M | $1.5M | 1.04% | 3.16% | 0.00% |
| Q1 2026 | $292.0M | $264.3M | $133.4M | $27.0M | $684K | 0.95% | 3.11% | 0.00% |
| Q4 2025 | $284.0M | $255.2M | $135.5M | $28.1M | $3.0M | 1.08% | 3.23% | 0.00% |
| Q3 2025 | $276.2M | $248.5M | $137.1M | $27.0M | $2.2M | 1.08% | 3.24% | 0.00% |
| Q2 2025 | $274.9M | $249.7M | $141.6M | $24.4M | $1.3M | 0.95% | 3.23% | 0.00% |
| Q1 2025 | $278.1M | $254.1M | $138.7M | $23.1M | $570K | 0.84% | 3.20% | 0.00% |
| Q4 2024 | $265.6M | $243.3M | $141.6M | $20.8M | $2.3M | 0.85% | 3.03% | 0.00% |
| Q3 2024 | $274.7M | $248.9M | $142.3M | $24.9M | $1.6M | 0.78% | 2.97% | 0.00% |
Loan mix (Q2 2026): real estate $132.8M · commercial $269K · consumer $4.2M · securities $89.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Liberty Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 62.9% | 76th |
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 Minnesota | 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 Minnesota | 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 Minnesota | 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 Minnesota | 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.