Liberty National Bank
Sioux City, IA · Cert 57505 · Peer group: banks under $1B in assets (n=581-629) · 215 Holding Co.
National charter · OCC · 5 affiliate banks · 8 branches (24 in holding)
Q2 2026
$624.4MAssets
$468.8MLoans
$457.3MDeposits
$104.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: tier 1 capital ratio trails 69% of banks under $1B in assets (rank 434 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.23%
Rank 221 of 629
Net Interest Margin
3.71%
Rank 265 of 629
Efficiency Ratio
59.52%
Rank 170 of 629
Equity / Assets
16.67%
Rank 112 of 629
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 73% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.60% | 1.01% | 1.45% | Beats 65% | 221 / 629 | | |
| Return on Equity | 7.38% | 5.38% | 9.30% | 13.28% | Beats 35% | 409 / 629 | | |
| Net Interest Margin | 3.71% | 3.03% | 3.54% | 4.05% | Beats 58% | 265 / 629 | | |
| Efficiency Ratio | 59.52% | 58.35% | 67.79% | 79.08% | Beats 73% | 170 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.24% | 13.84% | 18.77% | Beats 31% | 434 / 629 | | |
| Total Risk-Based Capital Ratio | 12.76% | 11.58% | 14.43% | 19.66% | Beats 36% | 404 / 629 | | |
| Equity / Assets | 16.67% | 9.09% | 10.65% | 13.80% | Beats 82% | 112 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.51% | 67.24% | 80.90% | 93.48% | 89th pctl | 64 / 594 | | |
| Loans / Assets | 75.08% | 53.31% | 67.71% | 78.15% | 66th pctl | 214 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |