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 Geraldine, AL against its peer group of 2757 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 | 1.75% | 1.25% | +0.50% | 75th top |
| ROAE | 16.38% | 12.22% | +4.16% | 73rd above |
| Net Interest Margin | 4.99% | 3.95% | +1.04% | 92nd top |
| Efficiency Ratio | 55.36% | 63.71% | -8.35% | 67th above |
| PPNR / Avg Assets | 2.23% | — | — | 81st top |
| Yield on Earning Assets | 6.92% | 5.67% | +1.25% | 94th top |
| Cost of Funds | 2.10% | 1.87% | +0.23% | 31st below |
| Net Interest Spread | 4.16% | — | — | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.88% | -0.73% | 69th above |
| NPA / Total Assets | 0.11% | — | — | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 1.01% | — | — | 27th below |
| ACL / NPLs (Coverage) | 670.65% | — | — | 76th top |
| Texas Ratio | 0.94% | 5.96% | -5.02% | 69th above |
| Provision / NCO | 300.00% | — | — | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 11.75% | -0.45% | 55th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.61% | 10.98% | -0.37% | 54th above |
| TCE / Tangible Assets | 10.61% | — | — | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.06% | 80.44% | -0.38% | 51st above |
| Core Deposit Ratio | 75.30% | 86.95% | -11.65% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.93% | — | — | 94th top |
| Loan Growth (Y/Y) | 18.09% | — | — | 91st top |
| Deposit Growth (Y/Y) | 19.53% | — | — | 94th top |
See Liberty Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Liberty Bank peer analysis.