Liberty National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty National Bank of Sioux City, IA against its peer group of 2672 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 | 1.21% | 1.35% | -0.14% | 47th below |
| ROAE | 7.24% | 12.06% | -4.82% | 22nd bottom |
| Net Interest Margin | 3.90% | 3.90% | +0.00% | 48th below |
| Efficiency Ratio | 55.23% | 63.15% | -7.92% | 68th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.64% | -0.02% | 52nd above |
| Yield on Earning Assets | 5.72% | 5.65% | +0.07% | 56th above |
| Cost of Funds | 1.99% | 1.85% | +0.14% | 37th below |
| Net Interest Spread | 3.39% | 3.35% | +0.04% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| Texas Ratio | 0.00% | 7.15% | -7.15% | 95th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.80% | 20.84% | -9.04% | 15th bottom |
| Tier 1 Ratio | 11.80% | 20.87% | -9.07% | 15th bottom |
| Total Capital Ratio | 12.76% | 21.94% | -9.18% | 14th bottom |
| Leverage Ratio | 10.31% | 12.46% | -2.15% | 38th below |
| Equity / Assets | 16.67% | 11.67% | +5.00% | 93rd top |
| TCE / Tangible Assets | 9.97% | 11.40% | -1.43% | 49th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.51% | 78.63% | +23.88% | 8th bottom |
| Core Deposit Ratio | 86.19% | 87.09% | -0.90% | 35th below |
| Wholesale Funding Ratio | 9.67% | 5.11% | +4.56% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.48% | 6.47% | -1.99% | 50th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.07% | 7.64% | -0.57% | 60th above |
| Deposit Growth (Y/Y) | 7.22% | 6.02% | +1.20% | 72nd above |
See Liberty National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty National 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 National Bank profile, how to read a UBPR, or how this data updates.