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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.82%	1.10%	0.99%	0.26%	1.30%	+47 bps
Return on Equity	6.19%	8.28%	7.51%	1.97%	9.92%	+373 bps
Net Interest Margin	3.13%	3.14%	3.12%	3.22%	3.22%	+8 bps
Efficiency Ratio	73.72%	70.98%	72.45%	76.36%	75.60%	+188 bps
Non-Interest Burden	2.14%	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 / Loans	0.44%	0.43%	0.40%	0.38%	0.32%	-12 bps
Net Charge-Offs / Loans	0.43%	0.35%	0.33%	0.21%	0.17%	-26 bps
Allowance / Loans	1.20%	1.22%	1.21%	1.21%	1.18%	-2 bps
Allowance Coverage of NPLs	2.7x	2.8x	3.0x	3.2x	3.6x	+1.0x
Capital
Tier 1 Leverage Ratio	13.49%	13.45%	13.36%	13.05%	13.37%	-12 bps
Total Risk-Based Capital	14.88%	14.94%	14.64%	14.71%	14.65%	-23 bps
Equity / Assets	13.20%	13.35%	13.05%	13.03%	13.09%	-12 bps
Liquidity & Funding
Loans / Deposits	95.47%	96.28%	100.51%	98.63%	103.03%	+756 bps
Liquid Assets / Assets	1.39%	1.68%	1.29%	1.45%	1.38%	-1 bps
CRE / Total Capital	n/a	289%	292%	296%	n/a	n/a