Durant, IA · Cert 10121 · Liberty Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in IA (n=134 to 135). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
91
Asset Quality
67
Profitability
49
Liquidity
64
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Durant, IA · Cert 10121 · Liberty Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 0.2% share · #28 of 29 inst. · $0.0B of $10.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.97% | 1.24% | 1.23% | 1.29% | 1.23% | 1.56% | 1.59% | +36 bps | |
| Return on Equity | 5.18% | 5.24% | 6.89% | 6.81% | 7.04% | 6.62% | 8.20% | 8.36% | +156 bps | |
| Net Interest Margin | 2.78% | 2.79% | 3.11% | 3.07% | 3.11% | 3.13% | 3.42% | 3.30% | +23 bps | |
| Efficiency Ratio | 61.98% | 62.82% | 55.36% | 55.58% | 54.85% | 57.79% | 45.75% | 47.56% | -802 bps | |
| Non-Interest Burden | 1.64% | 1.68% | 1.64% | 1.62% | 1.62% | 1.73% | 1.47% | 1.41% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.35% | 6.38% | 9.50% | 1.37% | 0.46% | 3.07% | 3.04% | 5.03% | +367 bps | |
| Loan Growth (YoY) | 14.96% | 13.17% | 12.32% | 7.30% | 6.92% | 3.21% | -0.47% | -0.02% | -732 bps | |
| Deposit Growth (YoY) | 9.58% | 7.53% | 10.87% | 0.67% | -0.68% | 1.59% | 1.93% | 3.75% | +307 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.40% | 0.30% | 0.86% | +86 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 1.39% | 1.36% | 1.29% | 1.33% | 1.29% | 1.30% | 1.28% | 1.33% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 101.9x | 118.9x | 708.5x | 1415.0x | 3.2x | 4.2x | 1.5x | -707.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 20.14% | 20.18% | 20.09% | 20.27% | 20.49% | 20.53% | 20.72% | 20.65% | +39 bps | |
| Total Risk-Based Capital | 20.14% | 20.18% | 20.09% | 20.27% | 20.49% | 20.53% | 20.72% | 20.65% | +39 bps | |
| Equity / Assets | 18.33% | 17.99% | 18.05% | 18.26% | 19.19% | 19.11% | 18.82% | 19.20% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.73% | 73.22% | 76.44% | 74.10% | 77.22% | 74.39% | 74.64% | 71.41% | -269 bps | |
| Liquid Assets / Assets | 6.42% | 4.83% | 2.78% | 5.83% | 2.06% | 4.82% | 4.80% | 8.03% | +219 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.70% | 35.62% | 35.72% | n/a | n/a | |
Durant, IA · Cert 10121 · Peer group: banks under $1B in assets in IA (n=134-135) · Liberty Bcorp
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
1.57%
Rank 26 of 135
Net Interest Margin
3.30%
Rank 81 of 135
Efficiency Ratio
47.56%
Rank 24 of 135
Equity / Assets
19.20%
Rank 7 of 135
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.57% | 0.92% | 1.19% | 1.47% | Beats 81% | 26 / 135 | ||
| Return on Equity | 8.17% | 7.99% | 10.26% | 13.14% | Beats 27% | 98 / 135 | ||
| Net Interest Margin | 3.30% | 2.95% | 3.41% | 3.73% | Beats 40% | 81 / 135 | ||
| Efficiency Ratio | 47.56% | 50.61% | 57.35% | 63.29% | Beats 83% | 24 / 135 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.03% | 0.51% | 1.26% | Beats 34% | 89 / 134 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.65% | 11.23% | 13.31% | 15.45% | Beats 90% | 14 / 135 | ||
| Total Risk-Based Capital Ratio | 20.65% | 11.61% | 14.06% | 16.47% | Beats 89% | 15 / 135 | ||
| Equity / Assets | 19.20% | 9.87% | 11.05% | 13.07% | Beats 95% | 7 / 135 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.41% | 68.54% | 81.55% | 91.24% | 28th pctl | 96 / 134 | ||
| Loans / Assets | 57.33% | 57.61% | 68.06% | 76.23% | 22nd pctl | 105 / 135 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||