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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.12% | 1.14% | 1.00% | 0.94% | 0.34% | 0.90% | 0.95% | -6 bps | |
| Return on Equity | 12.80% | 10.57% | 10.84% | 9.27% | 8.42% | 3.03% | 8.06% | 8.53% | -74 bps | |
| Net Interest Margin | 3.88% | 3.87% | 3.78% | 3.99% | 3.88% | 3.86% | 3.79% | 3.90% | -9 bps | |
| Efficiency Ratio | 66.38% | 67.96% | 73.69% | 68.60% | 69.21% | 83.08% | 70.66% | 71.19% | +259 bps | |
| Non-Interest Burden | 2.27% | 1.79% | 2.60% | 2.50% | 2.47% | 2.94% | 2.48% | 2.50% | 0 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 | 0.54% | 0.20% | 0.44% | 0.20% | 0.52% | 0.37% | -0.03% | 0.49% | +29 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 | |