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Liberty Bank

Ironton, OH · Cert 28463 · Liberty Federal Bcorp MHC

SL · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

42

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank

Ironton, OH · Cert 28463 · Liberty Federal Bcorp MHC

SL · FDIC · 2 branches

Q2 2026

$55.7MAssets
$27.6MLoans
$46.2MDeposits
$9.4MEquity
Loan mix
87%RE $24.4M4%C&I $1.0M9%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $32.0M31%Noninterest $14.2MQ2 2025Q2 2026

NIM

3.65%Q2 ’243.97%Q2 ’254.13%Q2 ’26+12%+12%

Non-interest income vs. expense

2.79%Q2 ’243.02%Q2 ’252.69%Q2 ’26+10%-13%

Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.6% share · #23 of 26 inst. · $0.0B of $8.0B

Executive Summary

  • Earnings: ROA of 0.69%, up 42 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.77% of loans (-60 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.96%, up 180 bps from a year ago.
  • Funding: loans stand at 59.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+39 bps YoY

Efficiency Ratio (YTD, annualized)

70.82%-1,816 bps YoY

Tier 1 Leverage Ratio

17.96%+180 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.30%0.34%0.40%0.69%+42 bps
Return on Equity1.85%2.07%2.29%2.45%4.17%+232 bps
Net Interest Margin3.14%3.17%3.29%3.43%3.53%+39 bps
Efficiency Ratio88.97%87.68%87.30%83.92%70.82%-1,816 bps
Non-Interest Burden2.76%2.74%2.83%2.84%2.42%-35 bps
Growth
Asset Growth (YoY)-2.70%0.74%-2.14%-5.01%-5.51%-281 bps
Loan Growth (YoY)1.31%0.70%-1.47%-1.29%-4.30%-560 bps
Deposit Growth (YoY)-4.40%-0.05%-4.19%-7.27%-7.78%-338 bps
Asset Quality
Nonperforming Loans / Loans1.37%0.75%0.65%0.51%0.77%-60 bps
Net Charge-Offs / Loans-0.05%-0.03%-0.01%0.00%0.00%+5 bps
Allowance / Loans0.25%0.28%0.29%0.29%0.45%+20 bps
Allowance Coverage of NPLs0.2x0.4x0.4x0.6x0.6x+0.4x
Capital
Tier 1 Leverage Ratio16.16%16.11%16.60%17.17%17.96%+180 bps
Total Risk-Based Capital16.16%16.11%16.60%17.17%17.96%+180 bps
Equity / Assets15.01%15.13%16.05%16.52%16.92%+191 bps
Liquidity & Funding
Loans / Deposits57.60%57.51%59.02%59.60%59.78%+218 bps
Liquid Assets / Assets7.93%9.49%7.72%6.03%8.77%+84 bps
CRE / Total Capitaln/a15.37%13.79%9.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank

Ironton, OH · Cert 28463 · Peer group: banks under $1B in assets (n=570-617) · Liberty Federal Bcorp MHC

SL · FDIC · 2 branches

Q2 2026

$55.7MAssets
$27.6MLoans
$46.2MDeposits
$9.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
  • Widest gap: return on equity trails 81% of banks under $1B in assets (rank 501 of 617).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.70%

Rank 433 of 617

Net Interest Margin

3.53%

Rank 315 of 617

Efficiency Ratio

70.82%

Rank 356 of 617

Equity / Assets

16.92%

Rank 102 of 617

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 42% of banks under $1B in assets
Bank 70.82%Peer median 67.8%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.60%1.01%1.45%Beats 30%433 / 617
Return on Equity4.14%5.30%9.43%13.30%Beats 19%501 / 617
Net Interest Margin3.53%3.04%3.54%4.05%Beats 49%315 / 617
Efficiency Ratio70.82%58.03%67.76%79.08%Beats 42%356 / 617
Asset Quality
Nonperforming Loans / Loans0.77%0.09%0.47%1.27%Beats 37%360 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio17.96%11.18%13.83%18.55%Beats 73%166 / 617
Total Risk-Based Capital Ratio17.96%11.56%14.39%19.39%Beats 71%181 / 617
Equity / Assets16.92%9.03%10.55%13.63%Beats 83%102 / 617
Liquidity & Funding
Loans / Deposits59.78%64.77%79.70%93.06%20th pctl468 / 582
Loans / Assets49.58%51.70%67.18%77.51%23rd pctl477 / 617
Brokered Deposits / Depositsn/aNot reported for this institution