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Liberty Bank

$100M-$1B Specialty: Commercial AL FDIC cert 20429

Geraldine, AL

7 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL
View $100M-$1B leaderboard (AL) →

Liberty Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 1.00% above tier average
  • + ROA 0.35% above tier average
  • + Efficiency Ratio 5.99% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.8% in tier
Get updates when Liberty Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $238.5M
+11.8% YoY +1.1% QoQ
-$147.6M $386.1M
+0.5% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $175.3M
+16.6% YoY +5.4% QoQ
-$80.4M $255.7M
+1.1% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
43%
Total Deposits ? $211.0M
+11.7% YoY +0.8% QoQ
-$116.9M $328.0M
+0.1% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
37%
Return on Assets ? 1.62%
+4.6% YoY +6.1% QoQ
+0.35% 1.27%
+12.9% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
73%
Net Interest Margin ? 4.93%
+4.9% YoY -0.1% QoQ
+1.00% 3.93%
+6.0% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
Top 8.2% in tier
Efficiency Ratio ? 59.30%
+3.9% YoY +3.3% QoQ
-5.99% 65.29%
-4.5% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
62%
Delinquency Rate ? 0.43%
+5.4% YoY +71.4% QoQ
-0.46% 0.89%
+18.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
49%
Loan-to-Deposit Ratio ? 83.06%
+4.3% YoY +4.5% QoQ
+6.42% 76.64%
+0.8% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
39%
Non-Interest-Bearing Deposit Share ? 25.63%
-7.2% YoY -1.2% QoQ
+3.61% 22.02%
-1.0% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
68%
Nonperforming Asset Ratio ? 0.31%
+9.9% YoY +78.7% QoQ
-0.33% 0.64%
+19.7% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
49%
Tier 1 Capital Ratio ? 11.59%
-3.1% YoY +2.9% QoQ
-4.24% 15.83%
+1.5% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.11%
-3.7% YoY -74.1% QoQ
-0.17% 0.28%
+9.3% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
55%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#260 of 1308 • Bottom 19.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.43%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

219
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.93%
#219 of 2664 Top 8.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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