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Liberty Bank Minnesota

Saint Cloud, MN · Cert 26891 · Liberty Finl Services St Cloud

State charter, Fed member · FED · 6 branches

Q2 2026

$290.2MAssets
$137.3MLoans
$262.9MDeposits
$26.9MEquity
Loan mix
96%RE $130.0M0%C&I $0.3M3%Consumer $4.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $209.7M20%Noninterest $53.3MQ3 2024Q2 2026

Market Position · St. Cloud, MN · 2026 SOD (annual) · 2.8% share · #10 of 32 inst. · $0.2B of $7.9B

3.1% Stearns
1.1% Wright
0.5% Sherburne

Executive Summary

  • Earnings: ROA of 0.82%, up 7 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.90%, down 34 bps from a year ago.
  • Funding: loans stand at 52.21% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.82%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-1 bps YoY

Efficiency Ratio (YTD, annualized)

74.00%-216 bps YoY

Tier 1 Leverage Ratio

12.90%-34 bps YoY

NIM

3.33%Q2 ’243.33%Q2 ’253.38%Q2 ’26+3%0%

Non-interest income vs. expense

3.01%Q2 ’242.87%Q2 ’252.82%Q2 ’26-5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.68%0.66%0.75%0.85%0.85%0.75%0.82%+7 bps
Return on Equity7.87%8.63%8.18%8.96%9.75%9.49%7.80%8.61%-35 bps
Net Interest Margin2.53%2.58%2.73%2.76%2.77%2.79%2.72%2.75%-1 bps
Efficiency Ratio79.29%78.04%78.14%76.16%73.96%74.26%74.80%74.00%-216 bps
Non-Interest Burden1.79%1.77%1.94%1.86%1.75%1.76%1.81%1.76%-10 bps
Growth
Asset Growth (YoY)1.30%-1.64%3.15%1.29%0.57%6.95%4.99%5.59%+430 bps
Loan Growth (YoY)7.29%6.59%3.59%0.56%-3.66%-4.27%-3.77%-3.99%-455 bps
Deposit Growth (YoY)-0.73%0.68%1.75%5.48%-0.14%4.90%4.00%5.30%-17 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.04%0.02%0.02%0.01%0.01%0.02%0 bps
Allowance / Loans0.96%0.97%0.97%0.96%0.98%1.00%1.01%0.99%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.18%13.40%13.18%13.24%13.45%13.60%13.00%12.90%-34 bps
Total Risk-Based Capital25.70%26.03%25.71%25.87%26.55%26.85%26.72%26.78%+91 bps
Equity / Assets9.08%7.82%8.31%8.88%9.77%9.91%9.24%9.25%+37 bps
Liquidity & Funding
Loans / Deposits57.74%58.76%55.12%57.26%55.70%53.62%51.00%52.21%-505 bps
Liquid Assets / Assets2.64%1.67%7.56%6.18%8.87%12.70%16.04%13.58%+741 bps
CRE / Total Capitaln/an/an/an/a14.48%9.42%8.56%n/an/a