Liberty Savings Bank, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Savings Bank, F.S.B. of Wilmington, OH against its peer group of 931 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 | 0.84% | 1.46% | -0.62% | 20th bottom |
| ROAE | 11.14% | 12.72% | -1.58% | 42nd below |
| Net Interest Margin | 1.64% | 3.85% | -2.21% | 1st bottom |
| Efficiency Ratio | 63.00% | 57.40% | +5.60% | 36th below |
| PPNR / Avg Assets | 0.90% | 1.88% | -0.98% | 13th bottom |
| Yield on Earning Assets | 4.73% | 5.72% | -0.99% | 12th bottom |
| Cost of Funds | 3.24% | 2.02% | +1.22% | 4th bottom |
| Net Interest Spread | 1.02% | 3.18% | -2.16% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.65% | 1.00% | +0.65% | 15th bottom |
| NPA / Total Assets | 1.24% | 0.76% | +0.48% | 18th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.43% | -0.29% | 24th bottom |
| ACL / Total Loans | 1.00% | 1.31% | -0.31% | 30th below |
| ACL / NPLs (Coverage) | 60.75% | 543.56% | -482.81% | 13th bottom |
| Texas Ratio | 14.81% | 7.39% | +7.42% | 12th bottom |
| Provision / NCO | 65.59% | 618.88% | -553.29% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.83% | 17.34% | +0.49% | 86th top |
| Tier 1 Ratio | 17.83% | 17.37% | +0.46% | 86th top |
| Total Capital Ratio | 19.08% | 18.42% | +0.66% | 87th top |
| Leverage Ratio | 9.61% | 11.44% | -1.83% | 25th below |
| Equity / Assets | 7.65% | 11.34% | -3.69% | 5th bottom |
| TCE / Tangible Assets | 7.65% | 10.50% | -2.85% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.18% | 86.96% | -5.78% | 67th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.17% | 85.55% | +0.62% | 38th below |
| Uninsured Deposit Ratio | 23.23% | 33.13% | -9.90% | 76th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.40% | 5.70% | -0.30% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.94% | 9.69% | -10.63% | 12th bottom |
| Loan Growth (Y/Y) | -3.52% | 8.06% | -11.58% | 7th bottom |
| Deposit Growth (Y/Y) | -2.70% | 7.87% | -10.57% | 9th bottom |
See Liberty Savings Bank, F.S.B.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Savings Bank, F.S.B., 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 Savings Bank, F.S.B. profile, how to read a UBPR, or how this data updates.