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Liberty Capital Bank

Addison, TX · Cert 58852 · Liberty Capital Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$767.9MAssets
$621.9MLoans
$675.9MDeposits
$86.1MEquity
Loan mix
91%RE $490.6M8%C&I $44.9M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $492.1M27%Noninterest $183.8MQ2 2025Q2 2026

NIM

5.87%Q2 ’246.24%Q2 ’255.97%Q2 ’26+14%+3%

Non-interest income vs. expense

1.92%Q2 ’241.79%Q2 ’252.48%Q2 ’26-7%+35%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #79 of 166 inst. · $0.5B of $732.8B

0.1% Dallas
7.5% Kendall
16.7% Callahan
0.0% Bexar

Executive Summary

  • Earnings: ROA of 1.11%, down 39 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.07% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.89%, down 44 bps from a year ago.
  • Funding: loans stand at 92.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.11%-39 bps YoY

Net Interest Margin (quarter, annualized)

4.02%+12 bps YoY

Efficiency Ratio (quarter, annualized)

58.15%+1,278 bps YoY

Tier 1 Leverage Ratio

10.89%-44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.50%1.53%1.87%1.32%1.11%-39 bps
Return on Equity13.95%14.98%17.23%11.73%9.84%-411 bps
Net Interest Margin3.91%3.88%8.53%4.21%4.02%+12 bps
Efficiency Ratio45.36%45.52%59.38%57.25%58.15%+1,278 bps
Non-Interest Burden1.76%1.72%5.22%2.45%2.37%+61 bps
Growth
Asset Growth (YoY)21.81%22.20%75.50%76.14%51.97%+3,016 bps
Loan Growth (YoY)30.46%26.54%72.23%58.63%60.22%+2,976 bps
Deposit Growth (YoY)19.60%18.55%76.05%75.81%54.63%+3,503 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.00%0.01%0.05%0.07%+1 bps
Net Charge-Offs / Loans0.00%0.04%0.02%0.01%0.00%0 bps
Allowance / Loans1.08%1.08%1.08%1.13%1.10%+2 bps
Allowance Coverage of NPLs16.1xn/a87.4x23.7x15.0x-1.1x
Capital
Tier 1 Leverage Ratio11.34%10.84%10.71%11.15%10.89%-44 bps
Total Risk-Based Capital14.45%14.05%13.77%14.78%13.70%-75 bps
Equity / Assets10.00%10.47%11.09%11.44%11.21%+121 bps
Liquidity & Funding
Loans / Deposits88.80%95.42%91.36%87.89%92.01%+321 bps
Liquid Assets / Assets19.72%15.78%16.34%19.84%15.95%-378 bps
CRE / Total Capitaln/a408%464%456%n/an/a