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
Unfavorable gap of $1.4M · efficiency ratio beats 35% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.72% | 1.06% | 1.45% | Beats 24% | 569 / 746 | | |
| Return on Equity | 4.14% | 6.74% | 10.51% | 13.63% | Beats 15% | 635 / 746 | | |
| Net Interest Margin | 3.53% | 3.17% | 3.68% | 4.16% | Beats 41% | 437 / 746 | | |
| Efficiency Ratio | 70.82% | 55.74% | 64.58% | 75.47% | Beats 35% | 484 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.77% | 0.09% | 0.42% | 1.07% | Beats 34% | 493 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.96% | 11.55% | 13.75% | 17.60% | Beats 76% | 176 / 746 | | |
| Total Risk-Based Capital Ratio | 17.96% | 11.71% | 14.33% | 18.43% | Beats 73% | 200 / 746 | | |
| Equity / Assets | 16.92% | 8.90% | 10.51% | 13.06% | Beats 91% | 64 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.78% | 61.31% | 78.27% | 90.78% | 22nd pctl | 584 / 746 | | |
| Loans / Assets | 49.58% | 53.60% | 66.97% | 76.08% | 20th pctl | 595 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |