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 Ironton, OH against its peer group of 578 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 Ahead of the peer average, behind the median peer. | 0.98% | 0.85% | +0.13% | 44th below |
| ROAE Ahead of the peer average, behind the median peer. | 5.88% | 5.23% | +0.65% | 34th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.93% | 3.94% | -0.01% | 53rd above |
| Efficiency Ratio | 56.61% | 76.13% | -19.52% | 77th top |
| PPNR / Avg Assets | 1.60% | — | — | 64th above |
| Yield on Earning Assets | 4.55% | 5.42% | -0.87% | 24th bottom |
| Cost of Funds | 0.69% | 1.69% | -1.00% | 91st top |
| Net Interest Spread | 3.56% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.77% | 1.23% | -0.46% | 41st below |
| NPA / Total Assets | 0.38% | — | — | 41st below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.45% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 58.22% | — | — | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 2.23% | 7.23% | -5.00% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 17.96% | 14.13% | +3.83% | 75th top |
| Equity / Assets | 16.92% | 13.07% | +3.85% | 73rd above |
| TCE / Tangible Assets | 16.92% | — | — | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 59.78% | 68.58% | -8.80% | 61st above |
| Core Deposit Ratio | 97.39% | 88.79% | +8.60% | 84th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.51% | — | — | 9th bottom |
| Loan Growth (Y/Y) | -4.30% | — | — | 21st bottom |
| Deposit Growth (Y/Y) | -7.78% | — | — | 6th bottom |
See Liberty Bank's peers by name
The 578 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.