Liberty Bank Minnesota
Saint Cloud, MN · Cert 26891 · Peer group: banks under $1B in assets (n=581-629) · Liberty Finl Services St Cloud
State charter, Fed member · FED · 6 branches
Q2 2026
$290.2MAssets
$137.3MLoans
$262.9MDeposits
$26.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 536 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.81%
Rank 411 of 629
Net Interest Margin
2.75%
Rank 536 of 629
Efficiency Ratio
74.00%
Rank 411 of 629
Equity / Assets
9.25%
Rank 451 of 629
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 35% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 35% | 411 / 629 | |
| Return on Equity | 8.76% | 5.38% | 9.30% | 13.28% | Beats 45% | 345 / 629 | |
| Net Interest Margin | 2.75% | 3.03% | 3.54% | 4.05% | Beats 15% | 536 / 629 | |
| Efficiency Ratio | 74.00% | 58.35% | 67.79% | 79.08% | Beats 35% | 411 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 50% | 295 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 25.85% | 11.24% | 13.84% | 18.77% | Beats 84% | 100 / 629 | |
| Total Risk-Based Capital Ratio | 26.78% | 11.58% | 14.43% | 19.66% | Beats 84% | 101 / 629 | |
| Equity / Assets | 9.25% | 9.09% | 10.65% | 13.80% | Beats 28% | 451 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 52.21% | 67.24% | 80.90% | 93.48% | 12th pctl | 524 / 594 | |
| Loans / Assets | 47.29% | 53.31% | 67.71% | 78.15% | 18th pctl | 513 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |