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Liberty Bank, Inc.

Salt Lake City, UT · Cert 26816 · Cache Valley Banking Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2024peer median (50)

Profitability

0

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

0

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank, Inc.

Salt Lake City, UT · Cert 26816 · Cache Valley Banking Co.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (25 in holding)

Q2 2026

$11.4MAssets
$0KLoans
$7.2MDeposits
$3.9MEquity
Deposit mix
98%Interest-bearing $7.1M2%Noninterest $0.1MQ2 2025Q2 2026

NIM

7.70%Q2 ’243.24%Q2 ’252.97%Q2 ’26-80%-25%

Non-interest income vs. expense

14.02%Q2 ’245.72%Q2 ’2514.09%Q2 ’26-58%+146%

Market Position · Salt Lake City-Murray, UT · 2026 SOD (annual) · 0.0% share · #54 of 57 inst. · $0.0B of $1175.7B

Executive Summary

  • Earnings: ROA of -11.62%, down 767 bps year over year; NIM at 0.50%.
  • Capital: tier 1 leverage ratio of 27.81%, up 55 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-11.62%-767 bps YoY

Net Interest Margin (YTD, annualized)

0.50%-17 bps YoY

Efficiency Ratio (YTD, annualized)

2281%+138,997 bps YoY

Tier 1 Leverage Ratio

27.81%+55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.95%-3.52%-3.84%-8.54%-11.62%-767 bps
Return on Equity-11.90%-10.33%-11.15%-24.08%-33.06%-2,117 bps
Net Interest Margin0.67%0.81%0.68%0.40%0.50%-17 bps
Efficiency Ratio891%711%801%2225%2281%+138,997 bps
Non-Interest Burden5.67%5.61%5.82%11.00%13.94%+826 bps
Growth
Asset Growth (YoY)7.60%20.67%-4.27%-12.26%-14.20%-2,180 bps
Loan Growth (YoY)-100.00%n/an/an/an/an/a
Deposit Growth (YoY)-24.89%-5.72%-5.18%-10.21%-8.84%+1,605 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio27.27%28.53%31.02%29.61%27.81%+55 bps
Total Risk-Based Capital27.27%28.53%31.02%102.22%73.51%+4,624 bps
Equity / Assets36.76%36.84%35.73%35.22%34.45%-231 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets80.52%79.88%79.54%81.89%80.20%-32 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank, Inc.

Salt Lake City, UT · Cert 26816 · Peer group: banks under $1B in assets operating in a single state (n=746) · Cache Valley Banking Co.

State charter, non-member · FDIC · 1 affiliate bank · 1 branch (25 in holding)

Q2 2026

$11.4MAssets
$0KLoans
$7.2MDeposits
$3.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks under $1B in assets operating in a single state (rank 8 of 746).
  • Widest gap: efficiency ratio trails 100% of banks under $1B in assets operating in a single state (rank 746 of 746).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-12.51%

Rank 746 of 746

Net Interest Margin

0.50%

Rank 744 of 746

Efficiency Ratio

2281%

Rank 746 of 746

Equity / Assets

34.45%

Rank 10 of 746

Non-interest income vs. expense

$0.0M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 0% of banks under $1B in assets operating in a single state
Bank 2281%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-12.51%0.72%1.06%1.45%Beats 0%746 / 746
Return on Equity-36.30%6.74%10.51%13.63%Beats 0%743 / 746
Net Interest Margin0.50%3.17%3.68%4.16%Beats 0%744 / 746
Efficiency Ratio2281%55.74%64.58%75.47%Beats 0%746 / 746
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio73.51%11.55%13.75%17.60%Beats 99%8 / 746
Total Risk-Based Capital Ratio73.51%11.71%14.33%18.43%Beats 99%8 / 746
Equity / Assets34.45%8.90%10.51%13.06%Beats 99%10 / 746
Liquidity & Funding
Loans / Deposits0.00%61.31%78.27%90.78%0th pctl744 / 746
Loans / Assets0.00%53.60%66.97%76.08%0th pctl744 / 746
Brokered Deposits / Depositsn/aNot reported for this institution