BlastPoint's Banking Scorecard
Liberty Trust & Savings Bank
Durant, IA
3 branches across IA
Liberty Trust & Savings Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.54% below tier average
- + ROA 0.29% above tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 39.1% in tier
- - Liquidity Overhang: Bottom 42.5% in tier
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.9M
+3.0% YoY
+1.0% QoQ
|
-$203.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$108.7M
-0.5% YoY
+1.6% QoQ
|
-$147.0M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$147.5M
+1.9% YoY
+1.2% QoQ
|
-$180.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.56%
+25.4% YoY
+26.8% QoQ
|
+0.29% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.68%
+7.3% YoY
+6.6% QoQ
|
-0.25% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
45.75%
-17.4% YoY
-20.8% QoQ
|
-19.54% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 9.7% in tier |
| Delinquency Rate ? |
0.31%
-24.7% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
73.68%
-2.4% YoY
+0.4% QoQ
|
-2.96% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
22.11%
+2.7% YoY
+6.6% QoQ
|
+0.09% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.18%
-24.3% QoQ
|
-0.45% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
20.72%
+3.1% YoY
+0.9% QoQ
|
+4.89% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.05%
-3.0% YoY
-74.8% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.