Ironton, OH · Cert 28463 · Liberty Federal Bcorp MHC
SL · FDIC · 2 branches
Q2 2026
Market Position · Huntington-Ashland, WV-KY-OH · 2026 SOD (annual) · 0.6% share · #23 of 26 inst. · $0.0B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.30% | 0.34% | 0.40% | 0.69% | +42 bps | |
| Return on Equity | 1.85% | 2.07% | 2.29% | 2.45% | 4.17% | +232 bps | |
| Net Interest Margin | 3.14% | 3.17% | 3.29% | 3.43% | 3.53% | +39 bps | |
| Efficiency Ratio | 88.97% | 87.68% | 87.30% | 83.92% | 70.82% | -1,816 bps | |
| Non-Interest Burden | 2.76% | 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 / Loans | 1.37% | 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 / Loans | 0.25% | 0.28% | 0.29% | 0.29% | 0.45% | +20 bps | |
| Allowance Coverage of NPLs | 0.2x | 0.4x | 0.4x | 0.6x | 0.6x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.16% | 16.11% | 16.60% | 17.17% | 17.96% | +180 bps | |
| Total Risk-Based Capital | 16.16% | 16.11% | 16.60% | 17.17% | 17.96% | +180 bps | |
| Equity / Assets | 15.01% | 15.13% | 16.05% | 16.52% | 16.92% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.60% | 57.51% | 59.02% | 59.60% | 59.78% | +218 bps | |
| Liquid Assets / Assets | 7.93% | 9.49% | 7.72% | 6.03% | 8.77% | +84 bps | |
| CRE / Total Capital | n/a | 15.37% | 13.79% | 9.44% | n/a | n/a | |