Liberty Trust & Savings Bank
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
$186.2MAssets
$106.8MLoans
$149.5MDeposits
$35.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: return on equity trails 73% of banks under $1B in assets in IA (rank 98 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 83% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |