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Letter portraitLegal landscapeQuarterYTD

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 $0.2BQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $5.3B25%Noninterest $1.8BQ3 2024Q2 2026

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 2.32%, up 54 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.32% of loans (-12 bps YoY), with net charge-offs at 0.14%.
  • 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.

Return on Assets (quarter, annualized)

2.32%1+54 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+6 bps YoY

Efficiency Ratio (quarter, annualized)

74.88%+332 bps YoY

Tier 1 Leverage Ratio

13.37%-12 bps YoY

NIM

4.78%Q2 ’244.83%Q2 ’254.93%Q2 ’26+2%+2%

Non-interest income vs. expense

2.68%Q2 ’242.76%Q2 ’252.98%Q2 ’26+4%+8%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%0.21%-0.16%1.78%11.64%10.70%0.26%2.32%1+54 bps
Return on Equity9.01%1.55%-1.22%13.50%12.32%5.27%1.97%17.76%+426 bps
Net Interest Margin3.12%3.09%3.10%3.22%3.37%3.24%3.22%3.28%+6 bps
Efficiency Ratio70.78%82.15%75.99%71.57%66.06%76.53%76.36%74.88%+332 bps
Non-Interest Burden2.01%2.40%2.20%2.11%1.99%2.30%2.30%2.27%+16 bps
Growth
Asset Growth (YoY)6.28%5.68%6.71%8.41%9.85%10.87%10.18%10.69%+228 bps
Loan Growth (YoY)6.85%6.37%8.10%10.15%11.67%14.03%13.12%13.36%+320 bps
Deposit Growth (YoY)9.24%9.46%9.56%7.87%7.54%6.72%6.25%5.04%-283 bps
Asset Quality
Nonperforming Loans / Loans0.70%0.58%0.55%0.44%0.43%0.40%0.38%0.32%-12 bps
Net Charge-Offs / Loans0.14%0.13%0.71%0.18%0.20%0.30%0.21%0.14%-4 bps
Allowance / Loans1.16%1.19%1.20%1.20%1.22%1.21%1.21%1.18%-2 bps
Allowance Coverage of NPLs1.7x2.0x2.2x2.7x2.8x3.0x3.2x3.6x+1.0x
Capital
Tier 1 Leverage Ratio13.66%13.61%13.31%13.49%13.45%13.36%13.05%13.37%-12 bps
Total Risk-Based Capital14.71%15.17%15.05%14.88%14.94%14.64%14.71%14.65%-23 bps
Equity / Assets13.77%13.32%13.23%13.20%13.35%13.05%13.03%13.09%-12 bps
Liquidity & Funding
Loans / Deposits92.72%94.07%92.64%95.47%96.28%100.51%98.63%103.03%+756 bps
Liquid Assets / Assets1.42%1.45%1.39%1.39%1.68%1.29%1.45%1.38%-1 bps
CRE / Total Capitaln/an/an/an/a289%292%296%n/an/a