BlastPoint's Banking Scorecard

Liberty Bank Minnesota

$100M-$1B Specialty: Mortgage MN FDIC cert 26891

Saint Cloud, MN

6 branches across MN

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 151 in MN.
Deposits +5.3% year over year ($262.9M on the books).
Delinquency rate 0.00%.
Return on assets 1.04%.
Efficiency ratio 74.00% vs a 64.48% peer average.
Loan-to-deposit ratio 51.69% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Liberty Bank Minnesota has 2 strengths but faces 3 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

+ Credit Quality Leader: Top 39.8% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.28% below tier average
- Net Interest Margin 0.82% below tier average
- Efficiency Ratio 9.52% above tier average

Get updates when Liberty Bank Minnesota releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$290.2M +5.6% YoY -0.6% QoQ	-$96.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$135.9M -4.0% YoY +1.8% QoQ	-$122.4M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$262.9M +5.3% YoY -0.5% QoQ	-$63.8M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	48%
Return on Assets ?	1.04% +9.2% YoY +9.3% QoQ	-0.28%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	36%
Net Interest Margin ?	3.16% -2.1% YoY +1.6% QoQ	-0.82%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 14.8% in tier
Efficiency Ratio ?	74.00% -2.8% YoY -1.1% QoQ	+9.52%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	51.69% -8.8% YoY +2.4% QoQ	-26.26%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 9.4% in tier
Non-Interest-Bearing Deposit Share ?	20.26% +3.1% YoY +3.4% QoQ	-1.77%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	25.85% +3.6% YoY +0.2% QoQ	+9.94%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Top 6.2% in tier
Non-Interest Income / Assets ?	0.55% +3.8% YoY +140.5% QoQ	-0.01%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	Top 8.1% in tier

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% +0.6pp YoY +0.7pp QoQ	-1.9pp	22.1%	21.9%	22.2%	46%
Brokered Deposits	n/a	n/a	7.9%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	0.2% +0.1pp YoY 0.0pp QoQ	-11.4pp	11.6%	14.6%	12.5%	1%
CRE	n/a	n/a	39.5%	36.5%	41.4%	n/a
1-4 Family	93.9% +1.9pp YoY -1.0pp QoQ	+61.3pp	32.6%	29.4%	31.3%	99%
Consumer	3.1% -0.7pp YoY -0.2pp QoQ	-1.0pp	4.1%	4.5%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	25.9% +0.9pp YoY +0.1pp QoQ	+7.0pp	18.8%	16.5%	19.7%	90%
Leverage Ratio	12.9% -0.3pp YoY -0.1pp QoQ	+0.7pp	12.2%	11.0%	12.6%	74%
Total Capital Ratio	26.8% +0.9pp YoY +0.1pp QoQ	+6.8pp	19.9%	17.6%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	45 +1 (+2.3%) YoY -1 (-2.2%) QoQ	-14	58	55	482	47%
Assets per Employee ($)	$6.4M +3.2% YoY +1.6% QoQ	-$1.1M	$7.5M	$8.6M	$8.8M	42%
Branch Count	6 0 YoY 0 QoQ	+1	4	4	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	20.41x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	11.0% -0.4pp YoY +1.0pp QoQ	-1.2pp	12.2%	13.1%	11.6%	43%
Cost of Funds (YTD)	0.7% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.7%	1.7%	4%
Net Income ($, YTD)	$1.5M +15.6% YoY — QoQ	-$1.1M	$2.6M	$4.5M	$40.4M	42%

Get Full Access to Liberty Bank Minnesota

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (1)

Credit Quality Leader

growth

#263 of 659 • Top 39.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

166

Tier 1 Capital Ratio

capital

Value: 25.85%

Peer Median: 15.91%

#166 of 2643 Top 6.2% in $100M-$1B

214

Non-Interest Income / Assets

revenue_mix

Value: 0.55%

Peer Median: 0.57%

#214 of 2643 Top 8.1% in $100M-$1B

250

Loan-to-Deposit Ratio

liquidity

Value: 51.69%

Peer Median: 77.95%

#250 of 2643 Top 9.4% in $100M-$1B

Top Weaknesses (2 metrics)

2252

Net Interest Margin

profitability

Value: 3.16%

Peer Median: 3.99%

#2252 of 2643 Bottom 14.8% in $100M-$1B

2063

Efficiency Ratio

profitability

Value: 74.00%

Peer Median: 64.48%

#2063 of 2643 Bottom 22.0% in $100M-$1B