PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Liberty Trust & Savings Bank

Durant, IA · Cert 10121 · Liberty Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$186.2MAssets
$106.8MLoans
$149.5MDeposits
$35.8MEquity
Loan mix
76%RE $62.5M19%C&I $15.6M5%Consumer $3.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $116.4M22%Noninterest $33.1MQ2 2025Q2 2026

NIM

3.92%Q2 ’244.32%Q2 ’254.41%Q2 ’26+8%+8%

Non-interest income vs. expense

1.87%Q2 ’241.81%Q2 ’251.71%Q2 ’26-2%-13%

Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 0.2% share · #28 of 29 inst. · $0.0B of $10.5B

27.9% Cedar
0.5% Scott

Executive Summary

  • Earnings: ROA of 1.59%, up 36 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.86% of loans (+86 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.65%, up 39 bps from a year ago.
  • Funding: loans stand at 71.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+23 bps YoY

Efficiency Ratio (YTD, annualized)

47.56%-802 bps YoY

Tier 1 Leverage Ratio

20.65%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.29%1.23%1.56%1.59%+36 bps
Return on Equity6.81%7.04%6.62%8.20%8.36%+156 bps
Net Interest Margin3.07%3.11%3.13%3.42%3.30%+23 bps
Efficiency Ratio55.58%54.85%57.79%45.75%47.56%-802 bps
Non-Interest Burden1.62%1.62%1.73%1.47%1.41%-20 bps
Growth
Asset Growth (YoY)1.37%0.46%3.07%3.04%5.03%+367 bps
Loan Growth (YoY)7.30%6.92%3.21%-0.47%-0.02%-732 bps
Deposit Growth (YoY)0.67%-0.68%1.59%1.93%3.75%+307 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.40%0.30%0.86%+86 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans1.33%1.29%1.30%1.28%1.33%0 bps
Allowance Coverage of NPLs708.5x1415.0x3.2x4.2x1.5x-707.0x
Capital
Tier 1 Leverage Ratio20.27%20.49%20.53%20.72%20.65%+39 bps
Total Risk-Based Capital20.27%20.49%20.53%20.72%20.65%+39 bps
Equity / Assets18.26%19.19%19.11%18.82%19.20%+94 bps
Liquidity & Funding
Loans / Deposits74.10%77.22%74.39%74.64%71.41%-269 bps
Liquid Assets / Assets5.83%2.06%4.82%4.80%8.03%+219 bps
CRE / Total Capitaln/a37.70%35.62%35.72%n/an/a