Liberty Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Capital Bank of Addison, TX against its peer group of 2603 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 | 1.42% | 1.34% | +0.08% | 59th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.53% | 13.32% | -0.79% | 51st above |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 58.13% | 61.13% | -3.00% | 60th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 6.13% | 5.67% | +0.46% | 74th above |
| Cost of Funds | 2.23% | 1.88% | +0.35% | 24th bottom |
| Net Interest Spread | 2.99% | 3.32% | -0.33% | 32nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.04% | 0.94% | -0.90% | 80th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 51st above |
| ACL / Total Loans | 1.10% | 1.28% | -0.18% | 38th below |
| ACL / NPLs (Coverage) | 2590.53% | 1545.27% | +1045.26% | — |
| Texas Ratio | 0.52% | 7.34% | -6.82% | 79th top |
| Provision / NCO | 3830.00% | 1392.12% | +2437.88% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.55% | 19.49% | -6.94% | 23rd bottom |
| Tier 1 Ratio | 12.55% | 19.53% | -6.98% | 23rd bottom |
| Total Capital Ratio | 13.70% | 20.61% | -6.91% | 23rd bottom |
| Leverage Ratio | 10.89% | 12.14% | -1.25% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.21% | 11.36% | -0.15% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.51% | 11.08% | -0.57% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.01% | 80.65% | +11.36% | 24th bottom |
| Core Deposit Ratio | 96.02% | 86.84% | +9.18% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 51.97% | 6.81% | +45.16% | 99th top |
| Loan Growth (Y/Y) | 60.22% | 7.88% | +52.34% | 99th top |
| Deposit Growth (Y/Y) | 54.63% | 6.25% | +48.38% | 99th top |
See Liberty Capital Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Capital Bank, 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 Capital Bank profile, how to read a UBPR, or how this data updates.