BlastPoint's Banking Scorecard
Liberty Bank
Middletown, CT
51 branches across CT · MA
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 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
- Deposits +5.0% year over year ($7.1B on the books).
- Delinquency rate 0.33%.
- Return on assets 1.30%.
- Efficiency ratio 75.60% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.81% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Liberty Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 15.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.4B
+10.7% YoY
+4.0% QoQ
|
+$6.6B |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
Top 1.1% in tier |
| Total Loans ? |
$7.3B
+13.4% YoY
+4.4% QoQ
|
+$5.3B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 0.7% in tier |
| Total Deposits ? |
$7.1B
+5.0% YoY
-0.1% QoQ
|
+$4.8B |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Top 2.8% in tier |
| Return on Assets ? |
1.30%
+57.9% YoY
+404.8% QoQ
|
-0.10% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.45%
+2.1% YoY
+0.4% QoQ
|
-0.42% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
75.60%
+2.5% YoY
-1.0% QoQ
|
+15.88% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate ? |
0.33%
-27.0% YoY
-15.3% QoQ
|
-0.54% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
101.81%
+7.9% YoY
+4.5% QoQ
|
+16.78% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.20%
-2.3% YoY
+2.7% QoQ
|
+3.92% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.25%
-25.3% YoY
-15.0% QoQ
|
-0.42% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.66%
-1.6% YoY
-0.2% QoQ
|
-1.19% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.33%
+6.5% YoY
+101.2% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
59% |
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 (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.2%
-0.6pp YoY +0.7pp QoQ |
+3.8pp | 21.4% | 22.1% | 22.2% | 72% |
| Brokered Deposits |
2.5%
-1.1pp YoY -0.9pp QoQ |
-7.0pp | 9.5% | 8.1% | 8.5% | 31% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.9%
+0.2pp YoY -0.2pp QoQ |
+1.9pp | 14.0% | 11.4% | 12.5% | 70% |
| CRE |
49.3%
-2.6pp YoY -0.7pp QoQ |
-0.7pp | 50.0% | 42.4% | 41.4% | 47% |
| 1-4 Family |
33.1%
+2.6pp YoY +1.0pp QoQ |
+6.7pp | 26.4% | 42.2% | 31.3% | 72% |
| Consumer |
2.6%
0.0pp YoY -0.1pp QoQ |
-2.1pp | 4.7% | 4.1% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
-0.2pp YoY 0.0pp QoQ |
-1.9pp | 15.6% | 15.0% | 19.7% | 52% |
| Leverage Ratio |
13.4%
-0.1pp YoY +0.3pp QoQ |
+2.1pp | 11.3% | 12.7% | 12.6% | 87% |
| Total Capital Ratio |
14.7%
-0.2pp YoY -0.1pp QoQ |
-2.0pp | 16.7% | 16.0% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
923
+37 (+4.2%) YoY +50 (+5.7%) QoQ |
+609 | 313 | 342 | 482 | 96% |
| Assets per Employee ($) |
$10.2M
+6.3% YoY -1.6% QoQ |
-$319K | $10.5M | $9.9M | $8.8M | 67% |
| Branch Count |
51
-3 (-5.6%) YoY 0 QoQ |
+31 | 20 | 19 | 18 | 94% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 0.7% | 1.0% | 34% |
| Allowance Coverage |
3.64x
+35.3% YoY +15.2% QoQ |
-15.07x | 18.71x | 4.87x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
0.2%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+3.7pp YoY +8.0pp QoQ |
-2.7pp | 12.6% | 8.2% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$59.1M
+74.6% YoY — QoQ |
+$39.9M | $19.2M | $28.0M | $40.4M | 96% |
Get Full Access to Liberty Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.