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Liberty Bank

Middletown, CT · Cert 17943 · Liberty Financial Corp.

SI · FDIC · 51 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

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.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank

Middletown, CT · Cert 17943 · Liberty Financial Corp.

SI · FDIC · 51 branches

Q2 2026

$9.4BAssets
$7.3BLoans
$7.1BDeposits
$1.2BEquity
Loan mix
81%RE $5.7B16%C&I $1.1B3%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $5.3B25%Noninterest $1.8BQ2 2025Q2 2026

NIM

4.77%Q2 ’244.73%Q2 ’254.84%Q2 ’26-1%+3%

Non-interest income vs. expense

2.63%Q2 ’242.77%Q2 ’252.94%Q2 ’26+8%+6%

Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 8.0% share · #4 of 27 inst. · $4.7B of $58.8B

47.4% Lower Connecticut River Valley
3.5% Capitol
15.5% Southeastern Connecticut
3.8% South Central Connecticut

Executive Summary

  • Earnings: ROA of 1.30%, up 47 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.32% of loans (-12 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 13.37%, down 12 bps from a year ago.
  • Funding: loans stand at 103.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.30%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+8 bps YoY

Efficiency Ratio (YTD, annualized)

75.60%+188 bps YoY

Tier 1 Leverage Ratio

13.37%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.10%0.99%0.26%1.30%+47 bps
Return on Equity6.19%8.28%7.51%1.97%9.92%+373 bps
Net Interest Margin3.13%3.14%3.12%3.22%3.22%+8 bps
Efficiency Ratio73.72%70.98%72.45%76.36%75.60%+188 bps
Non-Interest Burden2.14%2.04%2.08%2.30%2.26%+12 bps
Growth
Asset Growth (YoY)8.41%9.85%10.87%10.18%10.69%+228 bps
Loan Growth (YoY)10.15%11.67%14.03%13.12%13.36%+320 bps
Deposit Growth (YoY)7.87%7.54%6.72%6.25%5.04%-283 bps
Asset Quality
Nonperforming Loans / Loans0.44%0.43%0.40%0.38%0.32%-12 bps
Net Charge-Offs / Loans0.43%0.35%0.33%0.21%0.17%-26 bps
Allowance / Loans1.20%1.22%1.21%1.21%1.18%-2 bps
Allowance Coverage of NPLs2.7x2.8x3.0x3.2x3.6x+1.0x
Capital
Tier 1 Leverage Ratio13.49%13.45%13.36%13.05%13.37%-12 bps
Total Risk-Based Capital14.88%14.94%14.64%14.71%14.65%-23 bps
Equity / Assets13.20%13.35%13.05%13.03%13.09%-12 bps
Liquidity & Funding
Loans / Deposits95.47%96.28%100.51%98.63%103.03%+756 bps
Liquid Assets / Assets1.39%1.68%1.29%1.45%1.38%-1 bps
CRE / Total Capitaln/a289%292%296%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank

Middletown, CT · Cert 17943 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Liberty Financial Corp.

SI · FDIC · 51 branches

Q2 2026

$9.4BAssets
$7.3BLoans
$7.1BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating regionally (rank 22 of 176).
  • Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets operating regionally (rank 157 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.26%

Rank 88 of 176

Net Interest Margin

3.22%

Rank 136 of 176

Efficiency Ratio

75.74%

Rank 157 of 176

Equity / Assets

13.09%

Rank 22 of 176

Non-interest income vs. expense

$62.3M$271.0MINCOMEEXPENSE
Unfavorable gap of $208.8M · efficiency ratio beats 11% of banks $1B-$10B in assets operating regionally
Bank 75.74%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.26%0.93%1.26%1.54%Beats 50%88 / 176
Return on Equity9.63%9.26%11.89%14.46%Beats 30%124 / 176
Net Interest Margin3.22%3.25%3.59%3.93%Beats 23%136 / 176
Efficiency Ratio75.74%52.79%59.55%67.66%Beats 11%157 / 176
Asset Quality
Nonperforming Loans / Loans0.32%0.30%0.64%1.32%Beats 71%52 / 176
Net Charge-Offs / Loans0.14%0.01%0.04%0.10%Beats 16%149 / 176
Capital
Tier 1 Capital Ratio13.66%11.15%12.72%14.15%Beats 68%56 / 176
Total Risk-Based Capital Ratio14.65%11.81%13.63%15.33%Beats 67%58 / 176
Equity / Assets13.09%9.16%10.35%11.80%Beats 88%22 / 176
Liquidity & Funding
Loans / Deposits103.03%80.94%89.73%97.21%90th pctl18 / 176
Loans / Assets78.23%69.25%75.12%80.82%64th pctl64 / 176
Brokered Deposits / Depositsn/aNot reported for this institution