Liberty Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Bank, Inc. of Salt Lake City, UT against its peer group of 536 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 | -14.79% | 3.14% | -17.93% | 1st bottom |
| ROAE | -42.59% | 10.43% | -53.02% | 2nd bottom |
| Net Interest Margin | 0.62% | 3.93% | -3.31% | 0th bottom |
| Efficiency Ratio | 2323.81% | 75.61% | +2248.20% | 0th bottom |
| Yield on Earning Assets | 3.42% | 5.35% | -1.93% | 4th bottom |
| Cost of Funds | 3.87% | 1.70% | +2.17% | 2nd bottom |
| Net Interest Spread | -0.57% | 3.31% | -3.88% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| Texas Ratio | 0.00% | 8.25% | -8.25% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 73.51% | 61.85% | +11.66% | 83rd top |
| Tier 1 Ratio | 73.51% | 61.86% | +11.65% | 83rd top |
| Total Capital Ratio | 73.51% | 62.82% | +10.69% | 83rd top |
| Leverage Ratio | 27.81% | 17.60% | +10.21% | 86th top |
| Equity / Assets | 34.45% | 16.42% | +18.03% | 88th top |
| TCE / Tangible Assets | 34.45% | 16.17% | +18.28% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 72.85% | -72.85% | 98th top |
| Core Deposit Ratio | 55.04% | 88.23% | -33.19% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -14.20% | 4.31% | -18.51% | 2nd bottom |
| Deposit Growth (Y/Y) | -8.84% | 3.77% | -12.61% | 6th bottom |
See Liberty Bank, Inc.'s peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Bank, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.