| Metric | Liberty Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 0.36% | 1.24% | -0.9 pts |
| ROE | 4.1% | 11.9% | -7.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $206.0M | $164.4M | $165.8M | $17.9M | $358K | 0.36% | 3.17% | 0.11% |
| Q1 2026 | $199.8M | $163.9M | $157.7M | $17.6M | $121K | 0.24% | 3.06% | 0.12% |
| Q4 2025 | $196.4M | $160.1M | $155.6M | $17.4M | $-166K | -0.09% | 2.88% | 0.12% |
| Q3 2025 | $196.2M | $159.2M | $156.8M | $17.0M | $-454K | -0.31% | 2.79% | 0.12% |
| Q2 2025 | $193.2M | $157.0M | $152.9M | $17.0M | $112K | 0.12% | 2.68% | 0.12% |
| Q1 2025 | $203.8M | $168.0M | $148.8M | $17.8M | $-165K | -0.34% | 2.50% | 0.12% |
| Q4 2024 | $186.8M | $146.9M | $141.6M | $17.9M | $322K | 0.17% | 2.52% | 0.13% |
| Q3 2024 | $183.6M | $147.5M | $140.3M | $17.7M | $291K | 0.21% | 2.54% | 0.13% |
Loan mix (Q2 2026): real estate $130.9M · commercial $17.6M · consumer $16.0M · securities $6.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Liberty Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 62.9% | 91th |
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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