Saint Cloud, MN · Cert 26891 · Liberty Finl Services St Cloud
State charter, Fed member · FED · 6 branches
Q2 2026
Market Position · St. Cloud, MN · 2026 SOD (annual) · 2.8% share · #10 of 32 inst. · $0.2B of $7.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 1.05% | 0.85% | 0.75% | 0.88% | +5 bps | |
| Return on Equity | 9.62% | 11.25% | 8.60% | 7.80% | 9.51% | -12 bps | |
| Net Interest Margin | 2.80% | 2.81% | 2.83% | 2.72% | 2.80% | 0 bps | |
| Efficiency Ratio | 74.34% | 70.05% | 75.12% | 74.80% | 73.30% | -104 bps | |
| Non-Interest Burden | 1.79% | 1.54% | 1.79% | 1.81% | 1.72% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.29% | 0.57% | 6.95% | 4.99% | 5.59% | +430 bps | |
| Loan Growth (YoY) | 0.56% | -3.66% | -4.27% | -3.77% | -3.99% | -455 bps | |
| Deposit Growth (YoY) | 5.48% | -0.14% | 4.90% | 4.00% | 5.30% | -17 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.00% | 0.01% | 0.03% | +3 bps | |
| Allowance / Loans | 0.96% | 0.98% | 1.00% | 1.01% | 0.99% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.24% | 13.45% | 13.60% | 13.00% | 12.90% | -34 bps | |
| Total Risk-Based Capital | 25.87% | 26.55% | 26.85% | 26.72% | 26.78% | +91 bps | |
| Equity / Assets | 8.88% | 9.77% | 9.91% | 9.24% | 9.25% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.26% | 55.70% | 53.62% | 51.00% | 52.21% | -505 bps | |
| Liquid Assets / Assets | 6.18% | 8.87% | 12.70% | 16.04% | 13.58% | +741 bps | |
| CRE / Total Capital | n/a | 14.48% | 9.42% | 8.56% | n/a | n/a | |