Liberty Bank, Inc.: 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 CET1 capital ratio: 28.72 percentage points lower than in Q1 2026, at 73.51%. Liberty Bank, Inc. has the 2nd lowest return on assets of the 44 banks headquartered in Utah, at -14.79% as of Q2 2026. Liberty Bank, Inc.'s return on assets of -14.79% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 15.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 73.51% |
| Tier 1 risk-based capital ratio | 73.51% |
| Total risk-based capital ratio | 73.51% |
| Tier 1 leverage ratio | 27.81% |
| Equity capital to assets | 34.45% |
| Tangible equity to tangible assets | 34.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -14.79% |
| Return on equity | -42.59% |
| Net interest margin | 0.62% |
| Efficiency ratio | 2323.81% |
| Yield on earning assets | 3.42% |
| Cost of funds | 3.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 55.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 63.16% |
| Securities to assets | 3.64% |
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 | 12.27% | 12.27% | 13.54% | 9.36% | 15.09% |
| Q4 2023 | 7.26% | 7.26% | 8.52% | 4.92% | -14.41% |
| Q1 2024 | 5.06% | 5.06% | 6.33% | 3.44% | -14.08% |
| Q2 2024 | 20.17% | 20.17% | 21.44% | 13.79% | -11.27% |
| Q3 2024 | 69.76% | 69.76% | 69.76% | 15.74% | 2.92% |
| Q4 2024 | 69.05% | 69.05% | 69.05% | 23.39% | -3.97% |
| Q1 2025 | — | — | — | 35.34% | -5.94% |
| Q2 2025 | — | — | — | 27.27% | -2.88% |
| Q3 2025 | — | — | — | 28.53% | -2.64% |
| Q4 2025 | — | — | — | 31.02% | -4.81% |
| Q1 2026 | 102.22% | 102.22% | 102.22% | 29.61% | -8.50% |
| Q2 2026 | 73.51% | 73.51% | 73.51% | 27.81% | -14.79% |
Liberty Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26816) · FFIEC NIC profile (RSSD 593771)