BlastPoint's Banking Scorecard
Liberty Bank
Designations: ✓ Community bank
Ironton, OH
2 branches across OH
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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -7.8% year over year ($46.2M on the books).
- Delinquency rate 0.77%.
- Return on assets 0.69%.
- Efficiency ratio 70.82% vs a 119.40% peer average.
- Loan-to-deposit ratio 59.51% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Liberty Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 48.58% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.7M
-5.5% YoY
-1.5% QoQ
|
-$6.7M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$27.5M
-4.5% YoY
-1.9% QoQ
|
-$7.4M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$46.2M
-7.8% YoY
-2.1% QoQ
|
-$5.4M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
0.69%
+154.5% YoY
+72.6% QoQ
|
-0.31% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.89%
+9.0% YoY
+0.5% QoQ
|
-0.02% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
70.82%
-20.4% YoY
-15.6% QoQ
|
-48.58% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.77%
-43.8% YoY
+50.8% QoQ
|
-0.71% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
59.51%
+3.6% YoY
+0.1% QoQ
|
-14.70% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
30.82%
+0.7% YoY
-0.4% QoQ
|
+7.33% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.38%
-43.2% YoY
+50.2% QoQ
|
-0.45% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
17.96%
+11.1% YoY
+4.6% QoQ
|
-9.16% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.14%
+5.8% YoY
+98.0% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.8%
+0.2pp YoY -0.1pp QoQ |
+6.2pp | 24.6% | 18.8% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.6%
+1.4pp YoY 0.0pp QoQ |
-9.8pp | 13.4% | 10.2% | 12.5% | 11% |
| CRE |
3.5%
-3.9pp YoY +0.2pp QoQ |
-21.7pp | 25.2% | 34.2% | 41.4% | 2% |
| 1-4 Family |
84.0%
+3.5pp YoY +0.2pp QoQ |
+49.0pp | 35.0% | 50.0% | 31.3% | 93% |
| Consumer |
9.3%
-0.7pp YoY -0.2pp QoQ |
+1.6pp | 7.7% | 4.7% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
18.0%
+1.8pp YoY +0.8pp QoQ |
+0.3pp | 17.7% | 12.9% | 12.6% | 80% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-2 (-16.7%) YoY -1 (-9.1%) QoQ |
-2 | 12 | 2,433 | 482 | 43% |
| Assets per Employee ($) |
$5.6M
+13.4% YoY +8.3% QoQ |
-$614K | $6.2M | $7.6M | $8.8M | 44% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.6pp YoY +0.3pp QoQ |
-1.0pp | 1.7% | 0.6% | 1.0% | 52% |
| Allowance Coverage |
0.58x
+225.5% YoY +1.0% QoQ |
-5.83x | 6.41x | 18.95x | 20.23x | 26% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.2%
+2.3pp YoY +1.7pp QoQ |
-2.2pp | 6.4% | 9.7% | 11.6% | 28% |
| Cost of Funds (YTD) |
0.7%
-0.3pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.7% | 1.7% | 12% |
| Net Income ($, YTD) |
$195,000
+143.8% YoY — QoQ |
-$123K | $317,817 | $259.3M | $40.4M | 36% |
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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.