Liberty Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank of Liberty, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.71% | 1.34% | +0.37% | 74th above |
| ROAE | 13.69% | 13.31% | +0.38% | 58th above |
| Net Interest Margin | 4.84% | 3.93% | +0.91% | 89th top |
| Efficiency Ratio | 47.26% | 61.14% | -13.88% | 86th top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 6.14% | 5.67% | +0.47% | 75th top |
| Cost of Funds | 1.41% | 1.88% | -0.47% | 74th above |
| Net Interest Spread | 4.28% | 3.32% | +0.96% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 25th below |
| ACL / Total Loans | 0.80% | 1.28% | -0.48% | 10th bottom |
| Texas Ratio | 0.68% | 7.33% | -6.65% | 77th top |
| Provision / NCO | -42.86% | 1395.90% | -1438.76% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.76% | 19.50% | +1.26% | 80th top |
| Tier 1 Ratio | 20.76% | 19.54% | +1.22% | 80th top |
| Total Capital Ratio | 21.60% | 20.62% | +0.98% | 79th top |
| Leverage Ratio | 12.21% | 12.14% | +0.07% | 67th above |
| Equity / Assets | 12.67% | 11.37% | +1.30% | 76th top |
| TCE / Tangible Assets | 11.89% | 11.09% | +0.80% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.02% | 80.64% | -9.62% | 69th above |
| Core Deposit Ratio | 93.79% | 86.86% | +6.93% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.15% | 6.85% | +1.30% | 76th top |
| Loan Growth (Y/Y) | 0.40% | 7.90% | -7.50% | 24th bottom |
| Deposit Growth (Y/Y) | 8.23% | 6.29% | +1.94% | 77th top |
See Liberty Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Liberty Bank profile, how to read a UBPR, or how this data updates.