BlastPoint's Banking Scorecard
Liberty Bank
Geraldine, AL
7 branches across AL
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 63 in AL.
- Deposits +19.5% year over year ($229.9M on the books).
- Delinquency rate 0.15%.
- Return on assets 1.69%.
- Efficiency ratio 57.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.26% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Liberty Bank shows strong momentum with 4 strengths and 18.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.94% above tier average
- + ROA 0.37% above tier average
- + Efficiency Ratio 6.97% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$258.6M
+18.9% YoY
+8.4% QoQ
|
-$128.0M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$182.2M
+18.1% YoY
+3.9% QoQ
|
-$76.1M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$229.9M
+19.5% YoY
+8.9% QoQ
|
-$96.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.69%
+15.1% YoY
+4.4% QoQ
|
+0.37% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.93%
+2.4% YoY
-0.1% QoQ
|
+0.94% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Top 9.0% in tier |
| Efficiency Ratio ? |
57.51%
-2.8% YoY
-3.0% QoQ
|
-6.97% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
0.15%
-25.8% YoY
-64.4% QoQ
|
-0.77% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
79.26%
-1.2% YoY
-4.6% QoQ
|
+1.31% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.22%
-14.5% YoY
-5.5% QoQ
|
+2.19% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.11%
-26.3% YoY
-65.9% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.30%
-4.9% YoY
-2.5% QoQ
|
-4.61% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.20%
-9.1% YoY
+90.0% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
50% |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.2%
-4.1pp YoY -1.4pp QoQ |
+2.1pp | 22.1% | 24.0% | 22.2% | 63% |
| Brokered Deposits | 1.8% | -6.0pp | 7.9% | 5.5% | 8.5% | 28% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
-1.1pp YoY +0.2pp QoQ |
-4.7pp | 11.6% | 16.9% | 12.5% | 32% |
| CRE |
40.4%
+3.2pp YoY +0.9pp QoQ |
+0.9pp | 39.5% | 43.5% | 41.4% | 54% |
| 1-4 Family |
43.1%
+0.3pp YoY -0.6pp QoQ |
+10.4pp | 32.6% | 30.6% | 31.3% | 75% |
| Consumer |
6.5%
-1.7pp YoY -0.8pp QoQ |
+2.4pp | 4.1% | 5.7% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.3%
-0.6pp YoY -0.3pp QoQ |
-0.9pp | 12.2% | 13.2% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
-1 (-1.8%) YoY +1 (+1.8%) QoQ |
-3 | 58 | 304 | 482 | 60% |
| Assets per Employee ($) |
$4.6M
+21.1% YoY +6.5% QoQ |
-$2.9M | $7.5M | $6.9M | $8.8M | 9% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 20 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 26% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.2% | 1.0% | 22% |
| Allowance Coverage |
6.71x
+32.8% YoY +179.5% QoQ |
-17.45x | 24.15x | 7.50x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 63% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.6%
+2.2pp YoY +0.8pp QoQ |
+3.4pp | 12.2% | 10.0% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$2.1M
+32.3% YoY — QoQ |
-$492K | $2.6M | $17.2M | $40.4M | 54% |
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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.