Liberty Bank Minnesota: 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 Loan-to-deposit ratio: 1.20 percentage points higher than in Q1 2026, at 52.21%. Liberty Bank Minnesota ranks 157th of 221 Minnesota banks on return on assets, in the lower half at 1.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Liberty Bank Minnesota sits 0.18 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.85% |
| Tier 1 risk-based capital ratio | 25.85% |
| Total risk-based capital ratio | 26.78% |
| Tier 1 leverage ratio | 12.90% |
| Equity capital to assets | 9.25% |
| Tangible equity to tangible assets | 9.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 12.11% |
| Net interest margin | 3.08% |
| Efficiency ratio | 72.54% |
| Yield on earning assets | 3.77% |
| Cost of funds | 0.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.21% |
| Core deposits to total deposits | 98.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.58% |
| Securities to assets | 30.67% |
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 | 25.34% | 25.34% | 26.23% | 13.77% | 1.44% |
| Q4 2023 | 25.49% | 25.49% | 26.45% | 14.19% | 0.87% |
| Q1 2024 | 24.86% | 24.86% | 25.82% | 13.85% | 0.49% |
| Q2 2024 | 24.58% | 24.58% | 25.52% | 13.95% | 0.95% |
| Q3 2024 | 24.76% | 24.76% | 25.70% | 13.18% | 0.87% |
| Q4 2024 | 25.09% | 25.09% | 26.03% | 13.40% | 1.01% |
| Q1 2025 | 24.78% | 24.78% | 25.71% | 13.18% | 0.79% |
| Q2 2025 | 24.95% | 24.95% | 25.87% | 13.24% | 1.01% |
| Q3 2025 | 25.62% | 25.62% | 26.55% | 13.45% | 1.27% |
| Q4 2025 | 25.92% | 25.92% | 26.85% | 13.60% | 1.04% |
| Q1 2026 | 25.79% | 25.79% | 26.72% | 13.00% | 0.91% |
| Q2 2026 | 25.85% | 25.85% | 26.78% | 12.90% | 1.08% |
Liberty Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Bank Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26891) · FFIEC NIC profile (RSSD 1387203)