New Orleans, LA · Cert 20856 · Liberty Financial Services Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
85
Asset Quality
25
Profitability
36
Liquidity
0
Efficiency
18
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.
New Orleans, LA · Cert 20856 · Liberty Financial Services Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 1.6% share · #10 of 32 inst. · $0.6B of $36.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.22% | 1.14% | 1.07% | 1.03% | 0.86% | 0.90% | 0.92% | -15 bps | |
| Return on Equity | 12.12% | 11.82% | 10.84% | 10.05% | 9.49% | 7.87% | 8.06% | 8.29% | -175 bps | |
| Net Interest Margin | 3.75% | 3.74% | 3.78% | 3.85% | 3.85% | 3.84% | 3.79% | 3.83% | -2 bps | |
| Efficiency Ratio | 68.27% | 68.17% | 73.69% | 71.04% | 70.43% | 74.02% | 70.66% | 70.94% | -11 bps | |
| Non-Interest Burden | 2.32% | 2.16% | 2.60% | 2.53% | 2.50% | 2.61% | 2.48% | 2.48% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.24% | 2.62% | 6.47% | 4.36% | 2.52% | 2.69% | 0.03% | 1.75% | -260 bps | |
| Loan Growth (YoY) | 13.53% | 9.42% | 5.82% | 1.35% | -3.32% | -1.37% | -0.35% | 2.66% | +131 bps | |
| Deposit Growth (YoY) | 4.62% | 3.61% | 6.06% | 3.71% | 2.39% | 1.87% | -0.57% | 1.60% | -211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.28% | 0.76% | 0.82% | 0.81% | 0.74% | 0.90% | 1.11% | 0.89% | +8 bps | |
| Net Charge-Offs / Loans | 0.32% | 0.30% | 0.44% | 0.32% | 0.39% | 0.38% | -0.03% | 0.23% | -9 bps | |
| Allowance / Loans | 1.07% | 1.28% | 1.17% | 1.24% | 1.20% | 1.14% | 1.21% | 1.14% | -10 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.7x | 1.4x | 1.5x | 1.6x | 1.3x | 1.1x | 1.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.74% | 11.14% | 11.41% | 11.48% | 11.66% | 11.11% | 11.28% | 11.35% | -13 bps | |
| Total Risk-Based Capital | 20.04% | 19.71% | 20.44% | 21.13% | 21.43% | 20.25% | 20.41% | 20.36% | -78 bps | |
| Equity / Assets | 10.87% | 10.38% | 10.65% | 11.02% | 11.34% | 11.07% | 11.16% | 11.08% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.74% | 67.11% | 64.84% | 63.98% | 63.96% | 64.97% | 64.98% | 64.65% | +67 bps | |
| Liquid Assets / Assets | 4.36% | 4.50% | 8.92% | 6.94% | 7.53% | 5.48% | 4.54% | 3.98% | -296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 201% | 219% | 225% | n/a | n/a | |
New Orleans, LA · Cert 20856 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Liberty Financial Services Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Return on Assets
0.91%
Rank 136 of 176
Net Interest Margin
3.83%
Rank 55 of 176
Efficiency Ratio
70.94%
Rank 145 of 176
Equity / Assets
11.08%
Rank 67 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.93% | 1.26% | 1.54% | Beats 23% | 136 / 176 | ||
| Return on Equity | 8.20% | 9.26% | 11.89% | 14.46% | Beats 16% | 148 / 176 | ||
| Net Interest Margin | 3.83% | 3.25% | 3.59% | 3.93% | Beats 69% | 55 / 176 | ||
| Efficiency Ratio | 70.94% | 52.79% | 59.55% | 67.66% | Beats 18% | 145 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.30% | 0.64% | 1.32% | Beats 37% | 112 / 176 | ||
| Net Charge-Offs / Loans | 0.18% | 0.01% | 0.04% | 0.10% | Beats 12% | 156 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.25% | 11.15% | 12.72% | 14.15% | Beats 97% | 6 / 176 | ||
| Total Risk-Based Capital Ratio | 20.36% | 11.81% | 13.63% | 15.33% | Beats 97% | 6 / 176 | ||
| Equity / Assets | 11.08% | 9.16% | 10.35% | 11.80% | Beats 62% | 67 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.65% | 80.94% | 89.73% | 97.21% | 3rd pctl | 171 / 176 | ||
| Loans / Assets | 56.35% | 69.25% | 75.12% | 80.82% | 5th pctl | 167 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||