Liberty National Bank
Sioux City, IA · Cert 57505 · Peer group: banks under $1B in assets (n=573-620) · 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 573).
- Widest gap: tier 1 capital ratio trails 69% of banks under $1B in assets (rank 430 of 620).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.23%
Rank 214 of 620
Net Interest Margin
3.71%
Rank 254 of 620
Efficiency Ratio
59.52%
Rank 169 of 620
Equity / Assets
16.67%
Rank 109 of 620
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% | 1.00% | 1.45% | Beats 65% | 214 / 620 | | |
| Return on Equity | 7.38% | 5.30% | 9.30% | 13.29% | Beats 36% | 398 / 620 | | |
| Net Interest Margin | 3.71% | 3.02% | 3.53% | 4.04% | Beats 59% | 254 / 620 | | |
| Efficiency Ratio | 59.52% | 58.35% | 68.08% | 79.37% | Beats 73% | 169 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 81 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 11.80% | 11.27% | 13.87% | 18.78% | Beats 31% | 430 / 620 | | |
| Total Risk-Based Capital Ratio | 12.76% | 11.69% | 14.57% | 19.67% | Beats 36% | 399 / 620 | | |
| Equity / Assets | 16.67% | 9.03% | 10.60% | 13.73% | Beats 82% | 109 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 102.51% | 65.08% | 79.69% | 92.47% | 90th pctl | 61 / 585 | | |
| Loans / Assets | 75.08% | 51.85% | 67.17% | 77.86% | 67th pctl | 204 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |