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Liberty Bank and Trust Company

$1B-$10B Specialty: Commercial LA FDIC cert 20856

Designations: ✓ Community bank ✓ CDFI-certified ✓ Minority Depository Institution

New Orleans, LA

18 branches across LA · AL · GA · IL · KS · MI · MO · MS · TN · TX

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 18 in LA.
  • Deposits +1.6% year over year ($984.4M on the books).
  • Delinquency rate 0.90%.
  • Return on assets 0.92%.
  • Efficiency ratio 70.94% vs a 59.73% peer average.
  • Loan-to-deposit ratio 63.91% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in LA
View $1B-$10B leaderboard (LA) →

Liberty Bank and Trust Company has 2 strengths but faces 4 concerns

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

  • + Loan-to-Deposit Ratio 21.13% below tier average
  • + Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.2% in tier
  • - Margin Compression: Bottom 10.6% in tier
  • - Flatlined Growth: Bottom 45.1% in tier
  • - Efficiency Ratio 11.21% above tier average
Get updates when Liberty Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $1.1B
+1.8% YoY +2.0% QoQ
-$1.7B $2.8B
-0.6% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
Bottom 12.1% in tier
Total Loans ? $629.1M
+2.8% YoY +1.7% QoQ
-$1.3B $2.0B
-0.3% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 4.9% in tier
Total Deposits ? $984.4M
+1.6% YoY +2.1% QoQ
-$1.3B $2.3B
-0.5% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 14.2% in tier
Return on Assets ? 0.92%
-14.3% YoY +2.8% QoQ
-0.47% 1.39%
+17.0% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 4.14%
-0.1% YoY +1.4% QoQ
+0.27% 3.87%
+6.2% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
75%
Efficiency Ratio ? 70.94%
-0.1% YoY +0.4% QoQ
+11.21% 59.73%
-12.6% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.90%
+9.6% YoY -20.1% QoQ
+0.03% 0.87%
+11.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 63.91%
+1.1% YoY -0.4% QoQ
-21.13% 85.04%
-0.1% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 9.3% in tier
Non-Interest-Bearing Deposit Share ? 25.35%
+0.3% YoY +8.3% QoQ
+4.07% 21.27%
-1.5% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
72%
Nonperforming Asset Ratio ? 0.80%
+31.8% YoY -5.3% QoQ
+0.12% 0.67%
+11.7% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 19.25%
-3.4% YoY +0.1% QoQ
+4.41% 14.84%
-0.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 8.8% in tier
Non-Interest Income / Assets ? 0.36%
+14.5% YoY +142.5% QoQ
-0.17% 0.53%
+2.5% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
64%

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 25.3%
+0.1pp YoY
+1.9pp QoQ
 +4.0pp 21.4% 24.6% 22.2% 72%
Brokered Deposits n/a n/a 9.5% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 11.7%
-1.3pp YoY
+0.3pp QoQ
 -2.3pp 14.0% 12.6% 12.5% 53%
CRE 45.8%
+2.8pp YoY
+0.6pp QoQ
 -4.2pp 50.0% 44.9% 41.4% 38%
1-4 Family 36.4%
+0.4pp YoY
-0.6pp QoQ
 +10.0pp 26.4% 34.2% 31.3% 77%
Consumer 2.3%
+0.3pp YoY
+0.1pp QoQ
 -2.4pp 4.7% 4.2% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 15.4%
-0.6pp YoY
+0.1pp QoQ
 -0.2pp 15.6% 22.5% 19.7% 74%
Leverage Ratio 11.4%
-0.1pp YoY
+0.1pp QoQ
 0.0pp 11.3% 13.4% 12.6% 67%
Total Capital Ratio 20.4%
-0.8pp YoY
-0.1pp QoQ
 +3.7pp 16.7% 23.6% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 197
+5 (+2.6%) YoY
+6 (+3.1%) QoQ
 -117 313 114 482 41%
Assets per Employee ($) $5.7M
-0.8% YoY
-1.1% QoQ
 -$4.7M $10.5M $6.8M $8.8M 9%
Branch Count 18
0 YoY
0 QoQ
 -2 20 9 18 60%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 35%
Nonaccrual 0.9%
+0.1pp YoY
-0.2pp QoQ
 +0.1pp 0.8% 1.4% 1.0% 70%
Allowance Coverage 1.28x
-16.0% YoY
+17.9% QoQ
 -17.43x 18.71x 27.36x 20.23x 32%
Net Charge-off Rate (YTD) 0.2%
-0.1pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.1% 0.2% 82%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 8.3%
-1.8pp YoY
+0.2pp QoQ
 -4.3pp 12.6% 12.5% 11.6% 21%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.9% 1.7% 1.7% 9%
Net Income ($, YTD) $5.1M
-13.0% YoY
— QoQ
 -$14.1M $19.2M $5.1M $40.4M 12%

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 (3)

Credit Risk Growth

risk
#26 of 402 • Bottom 6.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ

Margin Compression

decline
#10 of 85 • Bottom 10.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.92%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Flatlined Growth

risk
#74 of 162 • Bottom 45.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.92%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

79
Tier 1 Capital Ratio
capital
Value: 19.25%
Peer Median: 14.84%
#79 of 885 Top 8.8% in $1B-$10B
83
Loan-to-Deposit Ratio
liquidity
Value: 63.91%
Peer Median: 85.04%
#83 of 885 Top 9.3% in $1B-$10B
222
Net Interest Margin
profitability
Value: 4.14%
Peer Median: 3.87%
#222 of 885 Top 25.0% in $1B-$10B

Top Weaknesses (5 metrics)

843
Total Loans
size
Value: $629.09M
Peer Median: $1.96B
#843 of 885 Bottom 4.9% in $1B-$10B
779
Total Assets
size
Value: $1.13B
Peer Median: $2.79B
#779 of 885 Bottom 12.1% in $1B-$10B
760
Total Deposits
size
Value: $984.35M
Peer Median: $2.32B
#760 of 885 Bottom 14.2% in $1B-$10B
717
Efficiency Ratio
profitability
Value: 70.94%
Peer Median: 59.73%
#717 of 885 Bottom 19.1% in $1B-$10B
670
Return on Assets
profitability
Value: 0.92%
Peer Median: 1.39%
#670 of 885 Bottom 24.4% in $1B-$10B
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