Liberty Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.39 percentage points in Q2 2026, from 98.63% to 103.03%. It was the largest change from Q1 2026 among the key lines here. Liberty Bank ranks 4th of 27 Connecticut banks on return on assets, in the upper half at 2.31% (Q2 2026). Liberty Bank's return on assets of 2.31% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.04 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.65% |
| Tier 1 leverage ratio | 13.37% |
| Equity capital to assets | 13.09% |
| Tangible equity to tangible assets | 12.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.71% |
| Non-performing assets ratio | 1.33% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 9.98% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 69.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.31% |
| Return on equity | 17.76% |
| Net interest margin | 3.43% |
| Efficiency ratio | 74.83% |
| Yield on earning assets | 5.18% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.03% |
| Core deposits to total deposits | 94.59% |
| Brokered deposits to total deposits | 2.46% |
| Deposits to assets | 75.94% |
| Securities to assets | 15.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.75% | 13.75% | 14.97% | 13.60% | 0.51% |
| Q4 2023 | 13.62% | 13.62% | 14.58% | 13.50% | 1.08% |
| Q1 2024 | 13.94% | 13.94% | 15.06% | 13.66% | 1.15% |
| Q2 2024 | 13.88% | 13.88% | 14.79% | 13.68% | 0.61% |
| Q3 2024 | 13.81% | 13.81% | 14.71% | 13.66% | 1.21% |
| Q4 2024 | 14.21% | 14.21% | 15.17% | 13.61% | 0.21% |
| Q1 2025 | 14.05% | 14.05% | 15.05% | 13.31% | -0.16% |
| Q2 2025 | 13.88% | 13.88% | 14.88% | 13.49% | 1.78% |
| Q3 2025 | 13.93% | 13.93% | 14.94% | 13.45% | 1.63% |
| Q4 2025 | 13.62% | 13.62% | 14.64% | 13.36% | 0.70% |
| Q1 2026 | 13.69% | 13.69% | 14.71% | 13.05% | 0.26% |
| Q2 2026 | 13.66% | 13.66% | 14.65% | 13.37% | 2.31% |
Liberty Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17943) · FFIEC NIC profile (RSSD 587800)