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 | |