Clayton, GA · Cert 22138 · Liberty Bcorp of Georgia Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
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 | 1.60% | 1.62% | 1.26% | 1.40% | 1.38% | 1.41% | 1.31% | 1.64% | +24 bps | |
| Return on Equity | 15.20% | 15.40% | 12.01% | 13.29% | 13.23% | 13.59% | 12.81% | 15.96% | +267 bps | |
| Net Interest Margin | 3.85% | 3.68% | 3.53% | 3.68% | 3.63% | 3.60% | 3.72% | 3.94% | +26 bps | |
| Efficiency Ratio | 52.83% | 52.63% | 59.32% | 56.87% | 57.51% | 56.66% | 56.54% | 51.46% | -542 bps | |
| Non-Interest Burden | 1.77% | 1.69% | 1.88% | 1.84% | 1.84% | 1.80% | 1.90% | 1.65% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.18% | 15.74% | 11.63% | 12.44% | -1.31% | 10.10% | 8.46% | 5.44% | -701 bps | |
| Loan Growth (YoY) | 18.07% | 11.85% | 9.73% | 13.05% | 8.81% | 11.31% | 9.45% | 11.92% | -113 bps | |
| Deposit Growth (YoY) | 29.07% | 16.39% | 11.74% | 12.74% | -2.32% | 10.54% | 8.81% | 5.97% | -677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.21% | 0.08% | 0.08% | 0.07% | 0.09% | 0.10% | 0.05% | -3 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | -0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 1.51% | 1.53% | 1.48% | 1.42% | 1.40% | 1.43% | 1.44% | 1.39% | -2 bps | |
| Allowance Coverage of NPLs | 22.6x | 7.2x | 18.9x | 17.5x | 19.7x | 15.5x | 14.0x | 26.3x | +8.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.59% | 10.34% | 10.74% | 11.00% | 10.25% | 10.22% | 10.58% | 10.49% | -51 bps | |
| Total Risk-Based Capital | 10.59% | 10.34% | 10.74% | 11.00% | 10.25% | 10.22% | 10.58% | 10.49% | -51 bps | |
| Equity / Assets | 9.37% | 10.34% | 10.57% | 10.74% | 10.17% | 10.07% | 10.45% | 10.35% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.80% | 65.35% | 67.23% | 68.94% | 68.85% | 65.81% | 67.62% | 72.81% | +387 bps | |
| Liquid Assets / Assets | 37.91% | 34.32% | 32.15% | 31.80% | 31.15% | 34.13% | 32.52% | 27.44% | -437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 235% | 236% | n/a | n/a | |