BlastPoint's Banking Scorecard
Liberty Savings Bank, F.S.B.
Designations: ✓ Community bank
Wilmington, OH
6 branches across FL · OH
Liberty Savings Bank, F.S.B. faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 18.5% in tier
- - Efficiency Drag: Bottom 29.7% in tier
- - Return on Assets 1.48% below tier average
- - Net Interest Margin 2.24% below tier average
- - Non-Interest Income / Assets 0.23% below tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-7.3% YoY
+1.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.7% in tier |
| Total Loans ? |
$795.1M
-3.9% YoY
+1.3% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.6% in tier |
| Total Deposits ? |
$991.2M
-4.3% YoY
+0.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.1% in tier |
| Return on Assets ? |
-0.11%
-143.5% YoY
-181.7% QoQ
|
-1.48% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.0% in tier |
| Net Interest Margin ? |
1.57%
+3.2% YoY
-0.6% QoQ
|
-2.24% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio ? |
98.25%
+22.1% YoY
+12.1% QoQ
|
+37.19% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.2% in tier |
| Delinquency Rate ? |
1.38%
+21.0% YoY
+5.5% QoQ
|
+0.49% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
80.21%
+0.4% YoY
+0.6% QoQ
|
-3.99% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
11.56%
-3.8% YoY
-1.7% QoQ
|
-9.73% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.16%
+25.7% YoY
+4.6% QoQ
|
+0.49% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
17.39%
+3.4% YoY
-1.6% QoQ
|
+2.23% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 13.7% in tier |
| Non-Interest Income / Assets ? |
0.02%
-36.4% YoY
-83.0% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.4% in tier |
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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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.