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
Unfavorable gap of $208.8M · efficiency ratio beats 11% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.26% | 0.93% | 1.26% | 1.54% | Beats 50% | 88 / 176 | | |
| Return on Equity | 9.63% | 9.26% | 11.89% | 14.46% | Beats 30% | 124 / 176 | | |
| Net Interest Margin | 3.22% | 3.25% | 3.59% | 3.93% | Beats 23% | 136 / 176 | | |
| Efficiency Ratio | 75.74% | 52.79% | 59.55% | 67.66% | Beats 11% | 157 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 71% | 52 / 176 | | |
| Net Charge-Offs / Loans | 0.14% | 0.01% | 0.04% | 0.10% | Beats 16% | 149 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.66% | 11.15% | 12.72% | 14.15% | Beats 68% | 56 / 176 | | |
| Total Risk-Based Capital Ratio | 14.65% | 11.81% | 13.63% | 15.33% | Beats 67% | 58 / 176 | | |
| Equity / Assets | 13.09% | 9.16% | 10.35% | 11.80% | Beats 88% | 22 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.03% | 80.94% | 89.73% | 97.21% | 90th pctl | 18 / 176 | | |
| Loans / Assets | 78.23% | 69.25% | 75.12% | 80.82% | 64th pctl | 64 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |