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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

7.80%Q2 ’243.42%Q2 ’252.94%Q2 ’26-72%-42%

Non-interest income vs. expense

15.73%Q2 ’245.33%Q2 ’2516.29%Q2 ’26-65%+207%

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 -14.84%, down 1,190 bps year over year; NIM at 0.57%.
  • 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 (quarter, annualized)

-14.84%-1,190 bps YoY

Net Interest Margin (quarter, annualized)

0.57%-41 bps YoY

Efficiency Ratio (quarter, annualized)

2324%+177,381 bps YoY

Tier 1 Leverage Ratio

27.81%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.94%-2.64%-4.84%-8.54%-14.84%-1,190 bps
Return on Equity-8.16%-7.17%-13.35%-24.08%-42.59%-3,443 bps
Net Interest Margin0.99%0.99%0.42%0.40%0.57%-41 bps
Efficiency Ratio550%474%1194%2225%2324%+177,381 bps
Non-Interest Burden5.25%4.74%6.40%11.00%16.12%+1,088 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