Liberty Capital Bank
Addison, TX · Cert 58852 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Liberty Capital Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$767.9MAssets
$621.9MLoans
$675.9MDeposits
$86.1MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 10 of 28).
- Widest gap: tier 1 capital ratio trails 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 21 of 28).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 16 of 28
Net Interest Margin
4.03%
Rank 16 of 28
Efficiency Ratio
59.97%
Rank 10 of 28
Equity / Assets
11.21%
Rank 13 of 28
Non-interest income vs. expense
Unfavorable gap of $17.7M · efficiency ratio beats 68% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 1.12% | 1.22% | 1.47% | Beats 43% | 16 / 28 | | |
| Return on Equity | 10.57% | 8.64% | 12.47% | 13.41% | Beats 36% | 18 / 28 | | |
| Net Interest Margin | 4.03% | 3.77% | 4.06% | 4.51% | Beats 43% | 16 / 28 | | |
| Efficiency Ratio | 59.97% | 57.39% | 61.94% | 66.78% | Beats 68% | 10 / 28 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | n/a | 0.28% | 1.06% | Beats 64% | 11 / 28 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.20% | Beats 68% | 10 / 28 | | |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 12.55% | 13.77% | 17.51% | Beats 25% | 21 / 28 | | |
| Total Risk-Based Capital Ratio | 13.70% | 12.59% | 14.62% | 18.18% | Beats 39% | 17 / 28 | | |
| Equity / Assets | 11.21% | 9.58% | 11.17% | 13.58% | Beats 54% | 13 / 28 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.01% | 66.90% | 84.79% | 89.14% | 82nd pctl | 5 / 28 | | |
| Loans / Assets | 80.99% | 57.58% | 73.59% | 77.32% | 89th pctl | 3 / 28 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |