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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.41% | 1.04% | 1.56% | 1.63% | +41 bps | |
| Return on Equity | 6.73% | 7.55% | 5.42% | 8.20% | 8.58% | +185 bps | |
| Net Interest Margin | 3.04% | 3.19% | 3.26% | 3.42% | 3.25% | +22 bps | |
| Efficiency Ratio | 55.80% | 53.43% | 66.22% | 45.75% | 49.30% | -649 bps | |
| Non-Interest Burden | 1.60% | 1.62% | 2.11% | 1.47% | 1.40% | -21 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 / Loans | 0.00% | 0.00% | 0.40% | 0.30% | 0.86% | +86 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 1.33% | 1.29% | 1.30% | 1.28% | 1.33% | 0 bps | |
| Allowance Coverage of NPLs | 708.5x | 1415.0x | 3.2x | 4.2x | 1.5x | -707.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 20.27% | 20.49% | 20.53% | 20.72% | 20.65% | +39 bps | |
| Total Risk-Based Capital | 20.27% | 20.49% | 20.53% | 20.72% | 20.65% | +39 bps | |
| Equity / Assets | 18.26% | 19.19% | 19.11% | 18.82% | 19.20% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.10% | 77.22% | 74.39% | 74.64% | 71.41% | -269 bps | |
| Liquid Assets / Assets | 5.83% | 2.06% | 4.82% | 4.80% | 8.03% | +219 bps | |
| CRE / Total Capital | n/a | 37.70% | 35.62% | 35.72% | n/a | n/a | |