Liberty National Bank: 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: 2.54 percentage points lower than in Q1 2026, at 102.51%. Within Iowa, Liberty National Bank is 143rd of 225 on return on assets, 1.21% as of Q2 2026, below the middle of the field. Liberty National Bank reported 1.21% on return on assets for Q2 2026, 0.04 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 12.76% |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 16.67% |
| Tangible equity to tangible assets | 9.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| 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 | 1.21% |
| Return on equity | 7.24% |
| Net interest margin | 3.90% |
| Efficiency ratio | 55.23% |
| Yield on earning assets | 5.72% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.51% |
| Core deposits to total deposits | 86.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.24% |
| Securities to assets | 8.73% |
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 | 11.30% | 11.30% | 12.32% | 9.15% | 1.00% |
| Q4 2023 | 10.93% | 10.93% | 11.92% | 8.79% | 0.99% |
| Q1 2024 | 10.92% | 10.92% | 11.92% | 8.93% | 0.94% |
| Q2 2024 | 10.82% | 10.82% | 11.79% | 9.31% | 0.93% |
| Q3 2024 | 10.56% | 10.56% | 11.49% | 9.20% | 1.00% |
| Q4 2024 | 10.73% | 10.73% | 11.66% | 9.12% | 1.04% |
| Q1 2025 | 10.79% | 10.79% | 11.74% | 9.32% | 1.15% |
| Q2 2025 | 11.35% | 11.35% | 12.32% | 9.76% | 1.19% |
| Q3 2025 | 11.15% | 11.15% | 12.10% | 9.84% | 1.20% |
| Q4 2025 | 11.20% | 11.20% | 12.17% | 9.53% | 1.14% |
| Q1 2026 | 11.10% | 11.10% | 12.06% | 9.77% | 1.29% |
| Q2 2026 | 11.80% | 11.80% | 12.76% | 10.31% | 1.21% |
Liberty National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty National Bank, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57505) · FFIEC NIC profile (RSSD 3140822)