Liberty Trust & Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Liberty Trust & Savings Bank of Durant, IA 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 | 1.60% | 1.34% | +0.26% | 69th above |
| ROAE | 8.58% | 13.32% | -4.74% | 28th below |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 29th below |
| Efficiency Ratio | 47.25% | 61.14% | -13.89% | 86th top |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 4.73% | 5.67% | -0.94% | 14th bottom |
| Cost of Funds | 1.43% | 1.88% | -0.45% | 73rd above |
| Net Interest Spread | 2.88% | 3.32% | -0.44% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 1.33% | 1.28% | +0.05% | 65th above |
| Texas Ratio | 2.47% | 7.33% | -4.86% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.65% | 12.14% | +8.51% | 96th top |
| Equity / Assets | 19.20% | 11.37% | +7.83% | 96th top |
| TCE / Tangible Assets | 19.20% | 11.09% | +8.11% | 96th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.41% | 80.64% | -9.23% | 68th above |
| Core Deposit Ratio | 99.21% | 86.86% | +12.35% | 98th 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. | 5.03% | 6.85% | -1.82% | 55th above |
| Loan Growth (Y/Y) | -0.02% | 7.90% | -7.92% | 22nd bottom |
| Deposit Growth (Y/Y) | 3.75% | 6.29% | -2.54% | 48th below |
See Liberty Trust & Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Liberty Trust & Savings 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 Trust & Savings Bank profile, how to read a UBPR, or how this data updates.