Liberty State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty State Bank of Powers Lake, ND 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 | 1.84% | 1.35% | +0.49% | 80th top |
| ROAE | 19.89% | 12.05% | +7.84% | 87th top |
| Net Interest Margin | 2.97% | 3.90% | -0.93% | 9th bottom |
| Efficiency Ratio | 33.82% | 63.16% | -29.34% | 98th top |
| PPNR / Avg Assets | 1.95% | 1.64% | +0.31% | 70th above |
| Yield on Earning Assets | 4.60% | 5.65% | -1.05% | 11th bottom |
| Cost of Funds | 1.68% | 1.85% | -0.17% | 58th above |
| Net Interest Spread | 2.04% | 3.35% | -1.31% | 5th bottom |
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 | 0.73% | 0.14% | +0.59% | 4th bottom |
| ACL / Total Loans | 1.78% | 1.28% | +0.50% | 89th top |
| Texas Ratio | 0.30% | 7.15% | -6.85% | 84th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 890.91% | 1189.38% | -298.47% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.66% | 12.46% | +1.20% | 80th top |
| Equity / Assets | 10.14% | 11.67% | -1.53% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.14% | 11.40% | -1.26% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.48% | 78.66% | -37.18% | 95th top |
| Core Deposit Ratio | 82.87% | 87.10% | -4.23% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.45% | 6.47% | +5.98% | 88th top |
| Loan Growth (Y/Y) | 9.14% | 7.64% | +1.50% | 71st above |
| Deposit Growth (Y/Y) | 11.61% | 6.02% | +5.59% | 87th top |
See Liberty State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty State 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 State Bank profile, how to read a UBPR, or how this data updates.