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Letter portraitLegal landscapeQuarterYTD

Liberty Savings Bank, F.S.B.

Wilmington, OH · Cert 32242 · James R Powell Revocable Trust

State savings bank · OCC · 6 branches

Q2 2026

$1.1BAssets
$780.4MLoans
$961.3MDeposits
$85.1MEquity
Loan mix
90%RE $724.4M0%C&I $2.3M10%Consumer $76.3MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $850.1M12%Noninterest $111.2MQ2 2025Q2 2026

NIM

5.02%Q2 ’245.09%Q2 ’254.66%Q2 ’26+34%+4%

Non-interest income vs. expense

1.19%Q2 ’241.37%Q2 ’251.56%Q2 ’26+147%-10%

Market Position · North Port-Bradenton-Sarasota, FL · 2026 SOD (annual) · 3.1% share · #7 of 40 inst. · $0.9B of $29.1B

4.3% Sarasota
1.2% Manatee
5.6% Clinton

Executive Summary

  • Earnings: ROA of 0.29%, up 8 bps year over year; NIM at 1.57%.
  • Asset quality: problem loans at 1.42% of loans (+23 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.61%, up 67 bps from a year ago.
  • Funding: loans stand at 81.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+8 bps YoY

Net Interest Margin (YTD, annualized)

1.57%+7 bps YoY

Efficiency Ratio (YTD, annualized)

77.10%-427 bps YoY

Tier 1 Leverage Ratio

9.61%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.16%0.11%-0.11%0.29%+8 bps
Return on Equity3.27%2.46%1.64%-1.51%3.88%+61 bps
Net Interest Margin1.51%1.54%1.59%1.54%1.57%+7 bps
Efficiency Ratio81.37%82.82%87.61%98.25%77.10%-427 bps
Non-Interest Burden1.23%1.25%1.38%1.51%1.11%-12 bps
Growth
Asset Growth (YoY)-8.51%-9.25%-8.05%-7.31%-0.94%+758 bps
Loan Growth (YoY)-6.00%-6.48%-7.56%-3.81%-3.52%+248 bps
Deposit Growth (YoY)17.52%11.68%-1.90%-4.26%-2.70%-2,021 bps
Asset Quality
Nonperforming Loans / Loans1.19%1.31%1.30%1.37%1.42%+23 bps
Net Charge-Offs / Loans0.04%0.06%0.08%0.28%0.21%+18 bps
Allowance / Loans0.96%0.97%0.99%0.99%1.00%+4 bps
Allowance Coverage of NPLs0.8x0.7x0.8x0.7x0.7x-0.1x
Capital
Tier 1 Leverage Ratio8.94%9.24%9.42%9.43%9.61%+67 bps
Total Risk-Based Capital18.87%18.35%18.92%18.64%19.08%+21 bps
Equity / Assets6.93%7.19%7.49%7.37%7.65%+72 bps
Liquidity & Funding
Loans / Deposits81.87%81.81%80.54%81.01%81.18%-70 bps
Liquid Assets / Assets2.71%2.97%3.45%3.85%3.42%+71 bps
CRE / Total Capitaln/a0.30%0.21%0.21%n/an/a