| Metric | Liberty State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.4% | +8.1 pts |
| Deposit growth (YoY) | +11.6% | +4.0% | +7.7 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 1.90% | 1.24% | +0.7 pts |
| ROE | 20.0% | 11.9% | +8.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.0M | $142.2M | $57.9M | $16.1M | $1.5M | 1.90% | 3.06% | 0.03% |
| Q1 2026 | $163.7M | $148.2M | $57.0M | $14.7M | $751K | 1.87% | 3.01% | 0.07% |
| Q4 2025 | $157.6M | $142.1M | $58.3M | $14.7M | $2.5M | 1.72% | 3.08% | 0.01% |
| Q3 2025 | $151.6M | $135.5M | $57.0M | $13.2M | $1.9M | 1.74% | 3.06% | 0.00% |
| Q2 2025 | $141.4M | $127.4M | $53.1M | $11.2M | $1.3M | 1.80% | 3.05% | 0.07% |
| Q1 2025 | $145.4M | $132.2M | $48.3M | $10.4M | $626K | 1.76% | 2.97% | 0.00% |
| Q4 2024 | $139.7M | $126.9M | $47.2M | $10.0M | $2.2M | 1.65% | 2.87% | 0.00% |
| Q3 2024 | $137.1M | $121.0M | $48.9M | $11.3M | $1.5M | 1.56% | 2.82% | 0.00% |
Loan mix (Q2 2026): real estate $29.5M · commercial $3.4M · consumer $2.4M · securities $90.0M
| Ratio | Liberty State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.6% | 62.9% | 1st |
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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Liberty State 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 State 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 State 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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