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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 assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

80

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

35

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 operating in a single state (n=743-746) · 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 operating in a single state (rank 185 of 743).
  • Widest gap: return on equity trails 85% of banks under $1B in assets operating in a single state (rank 635 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.70%

Rank 569 of 746

Net Interest Margin

3.53%

Rank 437 of 746

Efficiency Ratio

70.82%

Rank 484 of 746

Equity / Assets

16.92%

Rank 64 of 746

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 35% of banks under $1B in assets operating in a single state
Bank 70.82%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.70%0.72%1.06%1.45%Beats 24%569 / 746
Return on Equity4.14%6.74%10.51%13.63%Beats 15%635 / 746
Net Interest Margin3.53%3.17%3.68%4.16%Beats 41%437 / 746
Efficiency Ratio70.82%55.74%64.58%75.47%Beats 35%484 / 746
Asset Quality
Nonperforming Loans / Loans0.77%0.09%0.42%1.07%Beats 34%493 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio17.96%11.55%13.75%17.60%Beats 76%176 / 746
Total Risk-Based Capital Ratio17.96%11.71%14.33%18.43%Beats 73%200 / 746
Equity / Assets16.92%8.90%10.51%13.06%Beats 91%64 / 746
Liquidity & Funding
Loans / Deposits59.78%61.31%78.27%90.78%22nd pctl584 / 746
Loans / Assets49.58%53.60%66.97%76.08%20th pctl595 / 746
Brokered Deposits / Depositsn/aNot reported for this institution