BlastPoint's Banking Scorecard

Liberty Savings Bank, F.S.B.

$1B-$10B Specialty: Mortgage OH FDIC cert 32242

Designations: ✓ Community bank

Wilmington, OH

6 branches across FL · 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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
Deposits -2.7% year over year ($961.3M on the books).
Delinquency rate 1.43%.
Return on assets 0.36%.
Efficiency ratio 77.10% vs a 59.73% peer average.
Loan-to-deposit ratio 80.37% 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 28 in OH

View $1B-$10B leaderboard (OH) →

Liberty Savings Bank, F.S.B. faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.6% in tier
- Deposit Outflow: Bottom 26.0% in tier
- Return on Assets 1.03% below tier average
- Net Interest Margin 2.25% below tier average
- Efficiency Ratio 17.37% above tier average
- Delinquency Rate 0.57% above tier average

Get updates when Liberty Savings Bank, F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.1B -0.9% YoY -1.0% QoQ	-$1.7B	$2.8B -0.6% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Bottom 11.1% in tier
Total Loans ?	$772.6M -3.6% YoY -2.8% QoQ	-$1.2B	$2.0B -0.3% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	Bottom 12.1% in tier
Total Deposits ?	$961.3M -2.7% YoY -3.0% QoQ	-$1.4B	$2.3B -0.5% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Bottom 12.4% in tier
Return on Assets ?	0.36% +38.6% YoY +422.5% QoQ	-1.03%	1.39% +17.0% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Bottom 4.6% in tier
Net Interest Margin ?	1.62% +4.8% YoY +3.1% QoQ	-2.25%	3.87% +6.2% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 1.1% in tier
Efficiency Ratio ?	77.10% -5.2% YoY -21.5% QoQ	+17.37%	59.73% -12.6% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Bottom 9.4% in tier
Delinquency Rate ?	1.43% +19.7% YoY +3.8% QoQ	+0.57%	0.87% +11.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	80.37% -0.9% YoY +0.2% QoQ	-4.67%	85.04% -0.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	11.57% -4.6% YoY +0.1% QoQ	-9.70%	21.27% -1.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 14.7% in tier
Nonperforming Asset Ratio ?	1.08% +6.4% YoY -7.3% QoQ	+0.40%	0.67% +11.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	17.83% +1.2% YoY +2.5% QoQ	+2.99%	14.84% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Top 12.2% in tier
Non-Interest Income / Assets ?	0.23% +213.8% YoY +902.6% QoQ	-0.30%	0.53% +2.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	36%

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	11.6% -0.6pp YoY 0.0pp QoQ	-9.8pp	21.4%	18.8%	22.2%	14%
Brokered Deposits	0.9% -4.0pp YoY 0.0pp QoQ	-8.6pp	9.5%	7.7%	8.5%	17%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	0.8% +0.7pp YoY +0.5pp QoQ	-13.2pp	14.0%	10.2%	12.5%	2%
CRE	n/a	n/a	50.0%	34.2%	41.4%	n/a
1-4 Family	90.6% -3.5pp YoY -0.5pp QoQ	+64.1pp	26.4%	50.0%	31.3%	99%
Consumer	9.6% +2.8pp YoY 0.0pp QoQ	+4.9pp	4.7%	4.7%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	17.8% +0.2pp YoY +0.4pp QoQ	+2.2pp	15.6%	22.1%	19.7%	86%
Leverage Ratio	9.6% +0.7pp YoY +0.2pp QoQ	-1.7pp	11.3%	12.9%	12.6%	25%
Total Capital Ratio	19.1% +0.2pp YoY +0.4pp QoQ	+2.4pp	16.7%	23.2%	20.8%	87%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	92 0 YoY 0 QoQ	-222	313	2,433	482	5%
Assets per Employee ($)	$12.1M -0.9% YoY -1.0% QoQ	+$1.6M	$10.5M	$7.6M	$8.8M	78%
Branch Count	6 0 YoY 0 QoQ	-14	20	81	18	14%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	1.4% +0.2pp YoY +0.1pp QoQ	+0.6pp	0.8%	0.6%	1.0%	85%
Allowance Coverage	0.70x -12.8% YoY -2.2% QoQ	-18.01x	18.71x	18.95x	20.23x	12%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.1pp QoQ	-0.1pp	0.3%	0.1%	0.2%	80%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	4.8% +0.7pp YoY +6.3pp QoQ	-7.8pp	12.6%	9.7%	11.6%	7%
Cost of Funds (YTD)	3.2% -0.4pp YoY 0.0pp QoQ	+1.3pp	1.9%	1.7%	1.7%	97%
Net Income ($, YTD)	$2.0M +30.9% YoY — QoQ	-$17.2M	$19.2M	$259.3M	$40.4M	3%

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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 (2)

Flatlined Growth

risk

#2 of 162 • Bottom 0.6% 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: 0.36%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Deposit Outflow

decline

#35 of 131 • Bottom 26.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

109

Tier 1 Capital Ratio

capital

Value: 17.83%

Peer Median: 14.84%

#109 of 885 Top 12.2% in $1B-$10B

Top Weaknesses (9 metrics)

876

Net Interest Margin

profitability

Value: 1.62%

Peer Median: 3.87%

#876 of 885 Bottom 1.1% in $1B-$10B

845

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.39%

#845 of 885 Bottom 4.6% in $1B-$10B

803

Efficiency Ratio

profitability

Value: 77.10%

Peer Median: 59.73%

#803 of 885 Bottom 9.4% in $1B-$10B

788

Total Assets

size

Value: $1.11B

Peer Median: $2.79B

#788 of 885 Bottom 11.1% in $1B-$10B

779

Total Loans

size

Value: $772.58M

Peer Median: $1.96B

#779 of 885 Bottom 12.1% in $1B-$10B

776

Total Deposits

size

Value: $961.32M

Peer Median: $2.32B

#776 of 885 Bottom 12.4% in $1B-$10B

756

Non-Interest-Bearing Deposit Share

funding

Value: 11.57%

Peer Median: 21.27%

#756 of 885 Bottom 14.7% in $1B-$10B

725

Delinquency Rate

credit_quality

Value: 1.43%

Peer Median: 0.87%

#725 of 882 Bottom 17.9% in $1B-$10B

713

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.67%

#713 of 885 Bottom 19.5% in $1B-$10B