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
Unfavorable gap of $1.7M · efficiency ratio beats 0% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 0.50% | 3.17% | 3.68% | 4.16% | Beats 0% | 744 / 746 | |
| Efficiency Ratio | 2281% | 55.74% | 64.58% | 75.47% | Beats 0% | 746 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 73.51% | 11.55% | 13.75% | 17.60% | Beats 99% | 8 / 746 | |
| Total Risk-Based Capital Ratio | 73.51% | 11.71% | 14.33% | 18.43% | Beats 99% | 8 / 746 | |
| Equity / Assets | 34.45% | 8.90% | 10.51% | 13.06% | Beats 99% | 10 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 61.31% | 78.27% | 90.78% | 0th pctl | 744 / 746 | |
| Loans / Assets | 0.00% | 53.60% | 66.97% | 76.08% | 0th pctl | 744 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |