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Letter portraitLegal landscapeQuarterYTD

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 -2.10%; NIM at 2.51%.
  • 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 (quarter, annualized)

-2.10%

Net Interest Margin (quarter, annualized)

2.51%

Efficiency Ratio (quarter, annualized)

175.34%

Tier 1 Leverage Ratio

50.46%

NIM

3.11%Q1 ’263.19%Q2 ’26-15%

Non-interest income vs. expense

7.89%Q1 ’264.36%Q2 ’26-44%

Discrete quarter, annualized.

MetricQ1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-3.57%-2.10%n/a
Return on Equity-5.30%-3.95%n/a
Net Interest Margin2.95%2.51%n/a
Efficiency Ratio268%175.34%n/a
Non-Interest Burden7.89%4.38%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