Liberty Trust & Savings Bank: 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 Loan-to-deposit ratio: 3.23 percentage points lower than in Q1 2026, at 71.41%. Liberty Trust & Savings Bank ranks 74th of 225 Iowa banks on return on assets, in the upper half at 1.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Liberty Trust & Savings Bank sits 0.35 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 20.65% |
| Equity capital to assets | 19.20% |
| Tangible equity to tangible assets | 19.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.47% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 8.58% |
| Net interest margin | 3.55% |
| Efficiency ratio | 47.25% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.41% |
| Core deposits to total deposits | 99.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.29% |
| Securities to assets | 25.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.89% | 1.07% | 3.10% | 0.00% | 0.00% |
| Q4 2023 | 20.94% | 0.94% | 3.09% | 0.00% | 0.00% |
| Q1 2024 | 21.15% | 0.93% | 3.24% | 0.00% | 0.00% |
| Q2 2024 | 20.78% | 0.96% | 3.11% | 0.00% | 0.00% |
| Q3 2024 | 20.14% | 0.93% | 3.09% | 0.00% | 0.00% |
| Q4 2024 | 20.18% | 0.95% | 3.20% | 0.00% | 0.00% |
| Q1 2025 | 20.09% | 1.21% | 3.40% | 0.00% | 0.00% |
| Q2 2025 | 20.27% | 1.18% | 3.31% | 0.00% | 0.04% |
| Q3 2025 | 20.49% | 1.37% | 3.48% | 0.00% | 0.01% |
| Q4 2025 | 20.53% | 1.01% | 3.57% | 0.00% | 0.00% |
| Q1 2026 | 20.72% | 1.54% | 3.75% | 0.00% | 0.00% |
| Q2 2026 | 20.65% | 1.60% | 3.55% | 0.00% | -0.00% |
Liberty Trust & Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Trust & Savings Bank, 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10121) · FFIEC NIC profile (RSSD 644646)