Liberty Bank and Trust Company
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
$1.1BAssets
$636.3MLoans
$984.4MDeposits
$125.1MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of banks $1B-$10B in assets operating regionally (rank 6 of 176).
- Widest gap: net charge-offs / loans trails 88% of banks $1B-$10B in assets operating regionally (rank 156 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $27.8M · efficiency ratio beats 18% 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 | 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 |