BlastPoint's Banking Scorecard

Liberty Bank

under $100M Specialty: Other OH FDIC cert 28463

Designations: ✓ Community bank

Ironton, OH

2 branches across OH

537 banks in the under $100M peer group nationally 22 in OH

Liberty Bank has 2 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

+ Efficiency Ratio 3.71% below tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- ROA 0.46% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$56.6M -5.0% YoY -2.2% QoQ	-$5.7M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	40%
Total Loans ?	$28.1M -1.3% YoY -1.7% QoQ	-$6.2M	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	41%
Total Deposits ?	$47.2M -7.3% YoY -2.7% QoQ	-$4.6M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	40%
Return on Assets ?	0.40% +79.1% YoY +16.1% QoQ	-0.46%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	25%
Net Interest Margin ?	3.87% +12.9% YoY +5.0% QoQ	+0.00%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	83.92% -6.5% YoY -3.9% QoQ	-3.71%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	28%
Delinquency Rate ?	0.51% -46.7% YoY -21.6% QoQ	-0.85%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	59.42% +6.4% YoY +1.0% QoQ	-4.69%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	30.93% -0.8% YoY -1.3% QoQ	+7.14%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	75%
Nonperforming Asset Ratio ?	0.25% -44.7% YoY -21.3% QoQ	-0.52%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	49%
Tier 1 Capital Ratio ?	17.17% +6.5% YoY +3.4% QoQ	-9.61%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.07% +8.0% YoY -78.7% QoQ	-0.60%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (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 537 peers in under $100M

Top Strengths (1 metrics)

133

Non-Interest-Bearing Deposit Share

funding

Value: 30.93%

Peer Median: 23.79%

#133 of 537 Top 24.6% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available