| Metric | Liberty National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Deposit growth (YoY) | +7.2% | +4.3% | +2.9 pts |
| Loan growth (YoY) | +7.1% | +5.3% | +1.8 pts |
| ROA | 1.26% | 1.28% | -0.0 pts |
| ROE | 7.4% | 12.4% | -5.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $624.4M | $457.3M | $464.1M | $104.1M | $3.8M | 1.26% | 4.07% | 0.00% |
| Q1 2026 | $605.2M | $442.3M | $460.1M | $102.6M | $2.0M | 1.30% | 4.20% | 0.00% |
| Q4 2025 | $602.6M | $424.6M | $452.0M | $103.0M | $7.1M | 1.18% | 4.00% | 0.00% |
| Q3 2025 | $601.5M | $418.4M | $448.8M | $102.5M | $5.3M | 1.18% | 3.97% | 0.00% |
| Q2 2025 | $597.6M | $426.5M | $433.3M | $101.5M | $3.5M | 1.17% | 3.92% | 0.00% |
| Q1 2025 | $588.2M | $440.1M | $434.2M | $99.3M | $1.7M | 1.15% | 3.88% | 0.00% |
| Q4 2024 | $614.5M | $460.8M | $421.6M | $98.5M | $5.7M | 0.97% | 3.62% | 0.00% |
| Q3 2024 | $580.7M | $412.2M | $419.6M | $98.4M | $4.1M | 0.95% | 3.60% | 0.00% |
Loan mix (Q2 2026): real estate $367.4M · commercial $50.8M · consumer $1.5M · securities $54.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Liberty National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.28% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.4% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 61.2% | 33th |
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 National 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 National 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 National 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 National 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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