BlastPoint's Banking Scorecard
Liberty Bank
Middletown, CT
51 branches across CT · MA
Liberty Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.11% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 15.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.0B
+10.2% YoY
+0.4% QoQ
|
+$6.2B |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
Top 2.3% in tier |
| Total Loans ? |
$6.9B
+13.1% YoY
+0.7% QoQ
|
+$5.0B |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
Top 1.0% in tier |
| Total Deposits ? |
$7.1B
+6.3% YoY
+2.6% QoQ
|
+$4.8B |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
Top 3.1% in tier |
| Return on Assets ? |
0.26%
+258.7% YoY
-74.2% QoQ
|
-1.11% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
3.44%
+2.9% YoY
-0.3% QoQ
|
-0.38% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
76.36%
+0.5% YoY
+5.4% QoQ
|
+15.30% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate ? |
0.39%
-30.3% YoY
-5.2% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
97.44%
+6.5% YoY
-1.9% QoQ
|
+13.24% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
24.54%
-3.5% YoY
+0.2% QoQ
|
+3.25% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.30%
-28.5% YoY
-4.9% QoQ
|
-0.38% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.69%
-2.6% YoY
+0.5% QoQ
|
-1.47% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.17%
+4.7% YoY
-74.4% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.