BlastPoint's Banking Scorecard
Liberty Trust & Savings Bank
Durant, IA
3 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +3.7% year over year ($149.5M on the books).
- Delinquency rate 0.87%.
- Return on assets 1.59%.
- Efficiency ratio 47.56% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Liberty Trust & Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Efficiency Ratio 16.92% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.9% in tier
- - Net Interest Margin 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.2M
+5.0% YoY
+1.8% QoQ
|
-$200.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$105.3M
-0.0% YoY
-3.1% QoQ
|
-$153.0M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$149.5M
+3.7% YoY
+1.3% QoQ
|
-$177.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.59%
+29.2% YoY
+2.4% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.59%
+6.4% YoY
-2.3% QoQ
|
-0.39% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
47.56%
-14.4% YoY
+4.0% QoQ
|
-16.92% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 12.3% in tier |
| Delinquency Rate ? |
0.87%
+182.5% QoQ
|
-0.05% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
70.46%
-3.6% YoY
-4.4% QoQ
|
-7.49% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.15%
+5.8% YoY
+0.2% QoQ
|
+0.12% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.49%
+168.9% QoQ
|
-0.18% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
20.65%
+1.9% YoY
-0.3% QoQ
|
+4.74% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 12.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
+46.5% YoY
+220.1% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
34% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.1%
+1.2pp YoY 0.0pp QoQ |
0.0pp | 22.1% | 17.8% | 22.2% | 55% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.2%
0.0pp YoY +1.8pp QoQ |
+4.6pp | 11.6% | 12.8% | 12.5% | 80% |
| CRE |
12.6%
-0.7pp YoY +0.1pp QoQ |
-26.9pp | 39.5% | 28.3% | 41.4% | 8% |
| 1-4 Family |
14.1%
+0.8pp YoY +0.7pp QoQ |
-18.6pp | 32.6% | 23.0% | 31.3% | 18% |
| Consumer |
3.5%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 4.1% | 2.9% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
20.7%
+0.4pp YoY -0.1pp QoQ |
+8.5pp | 12.2% | 12.4% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+2 (+11.1%) YoY 0 QoQ |
-39 | 58 | 64 | 482 | 11% |
| Assets per Employee ($) |
$9.3M
-5.5% YoY +1.8% QoQ |
+$1.8M | $7.5M | $8.9M | $8.8M | 82% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.9pp YoY +0.6pp QoQ |
+0.5pp | 0.3% | 0.4% | 0.4% | 90% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
1.54x
-99.8% YoY -63.4% QoQ |
-22.61x | 24.15x | 18.97x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+1.5pp YoY +0.2pp QoQ |
-3.8pp | 12.2% | 12.8% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 20% |
| Net Income ($, YTD) |
$1.5M
+34.0% YoY — QoQ |
-$1.1M | $2.6M | $4.0M | $40.4M | 41% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.