Liberty Bank and Trust Company: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.51 percentage points higher than in Q1 2026, at 88.63%. Within Louisiana, Liberty Bank and Trust Company is 68th of 103 on return on assets, 0.95% as of Q2 2026, below the middle of the field. Liberty Bank and Trust Company reported 0.95% on return on assets for Q2 2026, 0.33 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.43% |
| Tier 1 risk-based capital ratio | 19.25% |
| Total risk-based capital ratio | 20.36% |
| Tier 1 leverage ratio | 11.35% |
| Equity capital to assets | 11.08% |
| Tangible equity to tangible assets | 11.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 1.02% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 8.78% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 88.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 8.53% |
| Net interest margin | 3.97% |
| Efficiency ratio | 70.89% |
| Yield on earning assets | 5.07% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.65% |
| Core deposits to total deposits | 81.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.16% |
| Securities to assets | 30.72% |
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 | 16.42% | 20.80% | 22.02% | 11.36% | 1.40% |
| Q4 2023 | 15.40% | 19.71% | 20.96% | 11.11% | 0.60% |
| Q1 2024 | 15.59% | 19.82% | 21.05% | 11.45% | 1.18% |
| Q2 2024 | 15.65% | 19.74% | 20.91% | 11.62% | 1.24% |
| Q3 2024 | 15.18% | 19.00% | 20.04% | 11.74% | 1.36% |
| Q4 2024 | 14.61% | 18.47% | 19.71% | 11.14% | 1.12% |
| Q1 2025 | 15.38% | 19.29% | 20.44% | 11.41% | 1.14% |
| Q2 2025 | 15.98% | 19.92% | 21.13% | 11.48% | 1.00% |
| Q3 2025 | 16.33% | 20.26% | 21.43% | 11.66% | 0.94% |
| Q4 2025 | 15.26% | 19.15% | 20.25% | 11.11% | 0.34% |
| Q1 2026 | 15.36% | 19.23% | 20.41% | 11.28% | 0.89% |
| Q2 2026 | 15.43% | 19.25% | 20.36% | 11.35% | 0.95% |
Liberty Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20856) · FFIEC NIC profile (RSSD 283438)