Liberty Savings Bank, F.S.B.
Wilmington, OH · Cert 32242 · Peer group: banks $1B-$10B in assets (n=322-328) · James R Powell Revocable Trust
State savings bank · OCC · 6 branches
Q2 2026
$1.1BAssets
$780.4MLoans
$961.3MDeposits
$85.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 87% of banks $1B-$10B in assets (rank 42 of 328).
- Widest gap: net interest margin trails 99% of banks $1B-$10B in assets (rank 324 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.29%
Rank 318 of 328
Net Interest Margin
1.57%
Rank 324 of 328
Efficiency Ratio
77.10%
Rank 303 of 328
Equity / Assets
7.65%
Rank 315 of 328
Non-interest income vs. expense
Unfavorable gap of $12.4M · efficiency ratio beats 8% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.91% | 1.22% | 1.52% | Beats 3% | 318 / 328 | | |
| Return on Equity | 3.81% | 8.43% | 11.45% | 14.43% | Beats 4% | 314 / 328 | | |
| Net Interest Margin | 1.57% | 3.03% | 3.45% | 3.83% | Beats 1% | 324 / 328 | | |
| Efficiency Ratio | 77.10% | 51.61% | 59.56% | 67.53% | Beats 8% | 303 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.24% | 0.51% | 1.03% | Beats 17% | 267 / 322 | | |
| Net Charge-Offs / Loans | 0.13% | 0.01% | 0.03% | 0.10% | Beats 22% | 253 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 17.83% | 11.75% | 13.15% | 15.47% | Beats 86% | 47 / 328 | | |
| Total Risk-Based Capital Ratio | 19.08% | 12.63% | 14.15% | 16.46% | Beats 87% | 42 / 328 | | |
| Equity / Assets | 7.65% | 9.15% | 10.33% | 12.01% | Beats 4% | 315 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.18% | 76.63% | 87.92% | 95.36% | 33rd pctl | 215 / 323 | | |
| Loans / Assets | 70.20% | 65.18% | 74.15% | 79.98% | 38th pctl | 204 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |