| Metric | Liberty Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +52.0% | +4.9% | +47.1 pts |
| Deposit growth (YoY) | +54.6% | +4.3% | +50.3 pts |
| Loan growth (YoY) | +60.2% | +5.3% | +54.8 pts |
| ROA | 1.54% | 1.28% | +0.3 pts |
| ROE | 13.7% | 12.4% | +1.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $767.9M | $675.9M | $615.1M | $86.1M | $5.8M | 1.54% | 4.12% | 0.06% |
| Q1 2026 | $739.5M | $649.3M | $564.1M | $84.6M | $3.1M | 1.68% | 4.16% | 0.04% |
| Q4 2025 | $747.3M | $657.7M | $594.4M | $82.9M | $10.5M | 1.50% | 4.33% | 0.01% |
| Q3 2025 | $501.2M | $425.7M | $401.8M | $52.5M | $6.8M | 1.95% | 4.02% | 0.00% |
| Q2 2025 | $505.3M | $437.1M | $384.0M | $50.5M | $4.3M | 1.91% | 4.00% | 0.05% |
| Q1 2025 | $419.9M | $369.3M | $355.8M | $49.2M | $2.1M | 1.98% | 4.13% | 0.00% |
| Q4 2024 | $425.8M | $373.6M | $345.1M | $50.5M | $5.8M | 1.41% | 3.70% | 0.00% |
| Q3 2024 | $410.1M | $359.1M | $317.5M | $49.6M | $3.8M | 1.25% | 3.58% | 0.00% |
Loan mix (Q2 2026): real estate $524.0M · commercial $60.3M · consumer $3.1M · securities $9.1M
| Ratio | Liberty Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.28% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 61.2% | 39th |
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 Capital 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 Capital 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 Capital 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 Capital 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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