Liberty Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank and Trust Company of New Orleans, LA 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 | 0.95% | 1.46% | -0.51% | 26th below |
| ROAE | 8.53% | 12.72% | -4.19% | 23rd bottom |
| Net Interest Margin | 3.97% | 3.85% | +0.12% | 66th above |
| Efficiency Ratio | 70.89% | 57.40% | +13.49% | 19th bottom |
| PPNR / Avg Assets | 1.36% | 1.88% | -0.52% | 30th below |
| Yield on Earning Assets | 5.07% | 5.72% | -0.65% | 23rd bottom |
| Cost of Funds | 0.91% | 2.02% | -1.11% | 96th top |
| Net Interest Spread | 3.46% | 3.18% | +0.28% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 1.00% | +0.29% | 24th bottom |
| NPA / Total Assets | 1.02% | 0.76% | +0.26% | 24th bottom |
| NCO / Avg Loans | 0.50% | 0.43% | +0.07% | 9th bottom |
| ACL / Total Loans | 1.14% | 1.31% | -0.17% | 49th below |
| ACL / NPLs (Coverage) | 88.63% | 543.55% | -454.92% | 24th bottom |
| Texas Ratio | 8.78% | 7.39% | +1.39% | 28th below |
| Provision / NCO | 123.80% | 618.86% | -495.06% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.43% | 17.34% | -1.91% | 74th above |
| Tier 1 Ratio | 19.25% | 17.37% | +1.88% | 90th top |
| Total Capital Ratio | 20.36% | 18.42% | +1.94% | 90th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.35% | 11.44% | -0.09% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.08% | 11.34% | -0.26% | 61st above |
| TCE / Tangible Assets | 8.84% | 10.50% | -1.66% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.65% | 86.96% | -22.31% | 91st top |
| Core Deposit Ratio | 81.44% | 85.56% | -4.12% | 24th bottom |
| Uninsured Deposit Ratio | 34.25% | 33.12% | +1.13% | 40th below |
| Wholesale Funding Ratio | 0.89% | 5.71% | -4.82% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.75% | 9.68% | -7.93% | 26th below |
| Loan Growth (Y/Y) | 2.66% | 8.06% | -5.40% | 32nd below |
| Deposit Growth (Y/Y) | 1.60% | 7.87% | -6.27% | 27th below |
See Liberty Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank and Trust Company, 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 and Trust Company profile, how to read a UBPR, or how this data updates.