Liberty Savings Bank, F.S.B.: 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 Efficiency ratio: 35.22 percentage points lower than in Q1 2026, at 63.00%. Liberty Savings Bank, F.S.B. ranks 99th of 156 Ohio banks on return on assets, in the lower half at 0.84% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Liberty Savings Bank, F.S.B. sits 0.44 points lower, at 0.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.83% |
| Tier 1 risk-based capital ratio | 17.83% |
| Total risk-based capital ratio | 19.08% |
| Tier 1 leverage ratio | 9.61% |
| Equity capital to assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.65% |
| Non-performing assets ratio | 1.24% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 14.81% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 60.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 11.14% |
| Net interest margin | 1.64% |
| Efficiency ratio | 63.00% |
| Yield on earning assets | 4.73% |
| Cost of funds | 3.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.18% |
| Core deposits to total deposits | 86.17% |
| Brokered deposits to total deposits | 0.89% |
| Deposits to assets | 86.47% |
| Securities to assets | 24.18% |
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 | 15.78% | 15.78% | 16.82% | 7.96% | 0.02% |
| Q4 2023 | 16.21% | 16.21% | 17.29% | 8.03% | 0.06% |
| Q1 2024 | 16.76% | 16.76% | 17.90% | 8.36% | 1.07% |
| Q2 2024 | 16.91% | 16.91% | 18.10% | 8.45% | 0.07% |
| Q3 2024 | 16.28% | 16.28% | 17.46% | 8.32% | 0.13% |
| Q4 2024 | 16.72% | 16.72% | 17.96% | 8.35% | 0.15% |
| Q1 2025 | 16.82% | 16.82% | 18.07% | 8.43% | 0.26% |
| Q2 2025 | 17.62% | 17.62% | 18.87% | 8.94% | 0.27% |
| Q3 2025 | 17.10% | 17.10% | 18.35% | 9.24% | 0.08% |
| Q4 2025 | 17.67% | 17.67% | 18.92% | 9.42% | -0.07% |
| Q1 2026 | 17.39% | 17.39% | 18.64% | 9.43% | -0.11% |
| Q2 2026 | 17.83% | 17.83% | 19.08% | 9.61% | 0.84% |
Liberty Savings Bank, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Savings Bank, F.S.B., 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 Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32242) · FFIEC NIC profile (RSSD 839572)