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Liberty Bank of New Jersey

Verona, NJ · Cert 59369

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

91

Q1 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

4

Q1 2026Q2 2026peer median (50)

Liquidity

0

Q1 2026Q2 2026peer median

Efficiency

2

Q1 2026Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Liberty Bank of New Jersey

Verona, NJ · Cert 59369

State charter, non-member · FDIC · 2 branches

Q2 2026

$107.4MAssets
$3.0MLoans
$58.7MDeposits
$47.0MEquity
Deposit mix
96%Interest-bearing $56.1M4%Noninterest $2.6MQ1 2026Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #137 of 151 inst. · $0.1B of $2921.1B

Executive Summary

  • Earnings: ROA of -2.04%; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 50.46%.
  • Funding: loans stand at 5.11% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

-2.04%

Net Interest Margin (YTD, annualized)

2.06%

Efficiency Ratio (YTD, annualized)

212%

Tier 1 Leverage Ratio

50.46%

NIM

3.11%Q1 ’262.45%Q2 ’26-30%

Non-interest income vs. expense

7.89%Q1 ’264.34%Q2 ’26-45%

Year to date, annualized, through each quarter.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.57%-2.04%n/a
Return on Equity-5.30%-4.67%n/a
Net Interest Margin2.95%2.06%n/a
Efficiency Ratio268%212%n/a
Non-Interest Burden7.89%4.35%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Deposit Growth (YoY)n/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/a0.00%n/an/a
Net Charge-Offs / Loansn/a0.00%n/an/a
Allowance / Loansn/a1.00%n/an/a
Allowance Coverage of NPLsn/an/an/an/a
Capital
Tier 1 Leverage Ratio93.12%50.46%n/a
Total Risk-Based Capital93.12%50.46%n/a
Equity / Assets67.31%43.80%n/a
Liquidity & Funding
Loans / Deposits0.00%5.11%n/a
Liquid Assets / Assets95.65%89.52%n/a
CRE / Total Capital0.00%n/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Liberty Bank of New Jersey

Verona, NJ · Cert 59369 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 2 branches

Q2 2026

$107.4MAssets
$3.0MLoans
$58.7MDeposits
$47.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets (rank 619 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-2.04%

Rank 613 of 629

Net Interest Margin

2.06%

Rank 601 of 629

Efficiency Ratio

212%

Rank 619 of 629

Equity / Assets

43.80%

Rank 50 of 629

Non-interest income vs. expense

-$0.0M$4.0MINCOMEEXPENSE
Unfavorable gap of $4.1M · efficiency ratio beats 2% of banks under $1B in assets
Bank 212%Peer median 67.8%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-2.04%0.60%1.01%1.45%Beats 3%613 / 629
Return on Equity-4.67%5.38%9.30%13.28%Beats 5%595 / 629
Net Interest Margin2.06%3.03%3.54%4.05%Beats 4%601 / 629
Efficiency Ratio212%58.35%67.79%79.08%Beats 2%619 / 629
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.46%1.20%Beats 100%81 / 581n/a
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581n/a
Capital
Tier 1 Capital Ratio50.46%11.24%13.84%18.77%Beats 91%58 / 629
Total Risk-Based Capital Ratio50.46%11.58%14.43%19.66%Beats 91%58 / 629
Equity / Assets43.80%9.09%10.65%13.80%Beats 92%50 / 629
Liquidity & Funding
Loans / Deposits5.11%67.24%80.90%93.48%2nd pctl581 / 594
Loans / Assets2.79%53.31%67.71%78.15%8th pctl581 / 629
Brokered Deposits / Depositsn/aNot reported for this institution