Liberty Savings Bank, F.S.B.
Total assets
$1.11B
▼ -0.9% YoY
Deposits
$961.3M
▼ -2.7% YoY
Loans
$772.6M
▼ -3.6% YoY
Offices
6
JAMES R POWELL REVOCABLE TRUST
ROA (annualized)
0.36%
peers 1.26%
ROE (annualized)
4.84%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +5.5% | -6.4 pts |
| Deposit growth (YoY) | -2.7% | +5.1% | -7.8 pts |
| Loan growth (YoY) | -3.6% | +5.9% | -9.5 pts |
| ROA | 0.36% | 1.26% | -0.9 pts |
| ROE | 4.8% | 12.2% | -7.3 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
Profile
- Established
- 1984
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- JAMES R POWELL REVOCABLE TRUST
- Specialization
- Mortgage Lending Specialization
- Address
- 2251 Rombach Ave, Wilmington, OH, 45177
- County
- Clinton
- Metro area
- Wilmington, OH
- Offices
- 6
- FDIC cert #
- 32242
- RSSD ID
- 839572
- 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 | $1.11B | $961.3M | $772.6M | $85.1M | $2.0M | 0.36% | 1.62% | 1.08% |
| Q1 2026 | $1.12B | $991.2M | $795.1M | $82.8M | $-314K | -0.11% | 1.57% | 1.16% |
| Q4 2025 | $1.11B | $983.9M | $784.7M | $83.0M | $1.6M | 0.14% | 1.58% | 1.11% |
| Q3 2025 | $1.13B | $1.00B | $811.8M | $81.6M | $1.8M | 0.20% | 1.55% | 1.09% |
| Q2 2025 | $1.12B | $988.0M | $801.1M | $77.8M | $1.5M | 0.26% | 1.55% | 1.01% |
| Q1 2025 | $1.21B | $1.04B | $827.1M | $74.8M | $781K | 0.26% | 1.53% | 0.93% |
| Q4 2024 | $1.20B | $1.00B | $849.7M | $72.2M | $4.3M | 0.35% | 1.24% | 1.05% |
| Q3 2024 | $1.25B | $897.2M | $868.9M | $75.2M | $3.9M | 0.42% | 1.22% | 1.05% |
Loan mix (Q2 2026): real estate $700.2M · commercial $6.2M · consumer $74.0M · securities $268.9M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.62% | 3.70% | 1th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 59.0% | 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% |
Balance sheet
| Ratio | Value | 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 | Value | 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 | Value | 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 | Value | 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.
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Selling to Liberty Savings Bank, F.S.B.?
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