Liberty Bank
Ironton, OH · Cert 28463 · Peer group: banks under $1B in assets (n=573-620) · 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 162 of 573).
- Widest gap: return on equity trails 81% of banks under $1B in assets (rank 503 of 620).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.70%
Rank 432 of 620
Net Interest Margin
3.53%
Rank 309 of 620
Efficiency Ratio
70.82%
Rank 357 of 620
Equity / Assets
16.92%
Rank 106 of 620
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.60% | 1.00% | 1.45% | Beats 30% | 432 / 620 | |
| Return on Equity | 4.14% | 5.30% | 9.30% | 13.29% | Beats 19% | 503 / 620 | |
| Net Interest Margin | 3.53% | 3.02% | 3.53% | 4.04% | Beats 50% | 309 / 620 | |
| Efficiency Ratio | 70.82% | 58.35% | 68.08% | 79.37% | Beats 43% | 357 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.09% | 0.47% | 1.27% | Beats 37% | 361 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 17.96% | 11.27% | 13.87% | 18.78% | Beats 72% | 172 / 620 | |
| Total Risk-Based Capital Ratio | 17.96% | 11.69% | 14.57% | 19.67% | Beats 70% | 187 / 620 | |
| Equity / Assets | 16.92% | 9.03% | 10.60% | 13.73% | Beats 83% | 106 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 59.78% | 65.08% | 79.69% | 92.47% | 19th pctl | 473 / 585 | |
| Loans / Assets | 49.58% | 51.85% | 67.17% | 77.86% | 22nd pctl | 482 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |