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 Lawton, OK against its peer group of 927 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 | 2.19% | 1.46% | +0.73% | 91st top |
| ROAE | 21.62% | 12.69% | +8.93% | 92nd top |
| Net Interest Margin | 4.28% | 3.85% | +0.43% | 82nd top |
| Efficiency Ratio | 48.99% | 57.40% | -8.41% | 77th top |
| PPNR / Avg Assets | 2.20% | 1.88% | +0.32% | 78th top |
| Yield on Earning Assets | 6.11% | 5.72% | +0.39% | 80th top |
| Cost of Funds | 1.94% | 2.02% | -0.08% | 55th above |
| Net Interest Spread | 3.85% | 3.18% | +0.67% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 1.00% | -0.98% | 95th top |
| NPA / Total Assets | 0.01% | 0.76% | -0.75% | 95th top |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 66th above |
| ACL / Total Loans | 1.13% | 1.31% | -0.18% | 46th below |
| ACL / NPLs (Coverage) | 6269.18% | 561.37% | +5707.81% | — |
| Texas Ratio | 0.11% | 7.39% | -7.28% | 95th top |
| Provision / NCO | 128.57% | 618.84% | -490.27% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.38% | 17.34% | -2.96% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.38% | 17.37% | -2.99% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.47% | 18.42% | -2.95% | 64th above |
| Leverage Ratio | 10.31% | 11.44% | -1.13% | 45th below |
| Equity / Assets | 10.23% | 11.34% | -1.11% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.03% | 10.50% | -0.47% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.17% | 86.96% | -11.79% | 78th top |
| Core Deposit Ratio | 65.81% | 85.56% | -19.75% | 6th bottom |
| Uninsured Deposit Ratio | 11.73% | 33.14% | -21.41% | 95th top |
| Wholesale Funding Ratio | 0.07% | 5.70% | -5.63% | 96th top |
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. | 8.00% | 9.68% | -1.68% | 68th above |
| Loan Growth (Y/Y) | -0.66% | 8.06% | -8.72% | 14th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.19% | 7.88% | -0.69% | 64th above |
See Liberty National Bank's peers by name
The 927 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.