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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 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.80%-0.16%0.82%1.10%0.99%0.26%1.30%+47 bps
Return on Equity7.39%5.91%-1.22%6.19%8.28%7.51%1.97%9.92%+373 bps
Net Interest Margin3.11%3.09%3.10%3.13%3.14%3.12%3.22%3.22%+8 bps
Efficiency Ratio69.56%72.77%75.99%73.72%70.98%72.45%76.36%75.60%+188 bps
Non-Interest Burden1.97%2.06%2.20%2.14%2.04%2.08%2.30%2.26%+12 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 / Loans0.54%0.43%0.71%0.43%0.35%0.33%0.21%0.17%-26 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