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 Middletown, CT against its peer group of 931 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 | 2.31% | 1.46% | +0.85% | 94th top |
| ROAE | 17.76% | 12.70% | +5.06% | 83rd top |
| Net Interest Margin | 3.43% | 3.85% | -0.42% | 32nd below |
| Efficiency Ratio | 74.83% | 57.34% | +17.49% | 12th bottom |
| PPNR / Avg Assets | 0.99% | 1.88% | -0.89% | 15th bottom |
| Yield on Earning Assets | 5.18% | 5.72% | -0.54% | 28th below |
| Cost of Funds | 1.95% | 2.02% | -0.07% | 54th above |
| Net Interest Spread | 2.66% | 3.18% | -0.52% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.71% | 1.00% | +0.71% | 15th bottom |
| NPA / Total Assets | 1.33% | 0.76% | +0.57% | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.43% | -0.29% | 23rd bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.31% | -0.13% | 54th above |
| ACL / NPLs (Coverage) | 69.16% | 545.12% | -475.96% | 16th bottom |
| Texas Ratio | 9.98% | 7.38% | +2.60% | 24th bottom |
| Provision / NCO | 128.95% | 620.71% | -491.76% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.66% | 17.35% | -3.69% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.66% | 17.38% | -3.72% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.65% | 18.44% | -3.79% | 50th above |
| Leverage Ratio | 13.37% | 11.43% | +1.94% | 87th top |
| Equity / Assets | 13.09% | 11.33% | +1.76% | 85th top |
| TCE / Tangible Assets | 12.52% | 10.49% | +2.03% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.03% | 86.89% | +16.14% | 12th bottom |
| Core Deposit Ratio | 94.59% | 85.52% | +9.07% | 82nd top |
| Uninsured Deposit Ratio | 25.51% | 33.15% | -7.64% | 70th above |
| Wholesale Funding Ratio | 9.46% | 5.69% | +3.77% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.69% | 9.68% | +1.01% | 78th top |
| Loan Growth (Y/Y) | 13.36% | 8.04% | +5.32% | 82nd top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.04% | 7.88% | -2.84% | 51st above |
See Liberty Bank's peers by name
The 931 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.