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Liberty National Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 57505

Sioux City, IA

10 branches across SD · IA

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 167 in IA.
  • Deposits +7.2% year over year ($457.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.26%.
  • Efficiency ratio 55.46% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.49% 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 167 in IA
View $100M-$1B leaderboard (IA) →

Liberty National Bank has 4 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 48.0% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 9.01% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 32.7% in tier
  • - Loan-to-Deposit Ratio 23.54% above tier average
  • - ROA 0.06% below tier average
Get updates when Liberty National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $624.4M
+4.5% YoY +3.2% QoQ
+$237.8M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $464.1M
+7.1% YoY +0.9% QoQ
+$205.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 14.4% in tier
Total Deposits ? $457.3M
+7.2% YoY +3.4% QoQ
+$130.5M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
76%
Return on Assets ? 1.26%
+7.4% YoY -3.6% QoQ
-0.06% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 4.07%
+3.7% YoY -3.0% QoQ
+0.08% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 55.46%
-1.0% YoY +0.2% QoQ
-9.01% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 101.49%
-0.1% YoY -2.4% QoQ
+23.54% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 8.3% in tier
Non-Interest-Bearing Deposit Share ? 18.74%
-29.2% YoY -7.7% QoQ
-3.29% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.80%
+3.9% YoY +6.3% QoQ
-4.11% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.32%
+5.6% YoY +99.2% QoQ
-0.25% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
75%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 18.7%
-7.7pp YoY
-1.6pp QoQ
 -3.4pp 22.1% 17.8% 22.2% 39%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.9%
-1.4pp YoY
-0.9pp QoQ
 -0.6pp 11.6% 12.8% 12.5% 58%
CRE 46.0%
+2.1pp YoY
+0.6pp QoQ
 +6.4pp 39.5% 28.3% 41.4% 64%
1-4 Family 17.7%
-1.0pp YoY
+0.1pp QoQ
 -14.9pp 32.6% 23.0% 31.3% 25%
Consumer 0.3%
-0.2pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 2.9% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.5pp YoY
+0.7pp QoQ
 -7.0pp 18.8% 15.4% 19.7% 15%
Leverage Ratio 10.3%
+0.6pp YoY
+0.5pp QoQ
 -1.9pp 12.2% 12.4% 12.6% 38%
Total Capital Ratio 12.8%
+0.4pp YoY
+0.7pp QoQ
 -7.2pp 19.9% 16.5% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 55
-4 (-6.8%) YoY
-2 (-3.5%) QoQ
 -4 58 64 482 58%
Assets per Employee ($) $11.4M
+12.1% YoY
+6.9% QoQ
 +$3.8M $7.5M $8.9M $8.8M 91%
Branch Count 10
0 YoY
0 QoQ
 +5 4 5 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) 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 18.97x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 7.4%
+0.4pp YoY
-0.2pp QoQ
 -4.8pp 12.2% 12.8% 11.6% 22%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 63%
Net Income ($, YTD) $3.8M
+9.3% YoY
— QoQ
 +$1.3M $2.6M $4.0M $40.4M 79%

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
#317 of 659 • Top 48.0% 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 (1)

NIB Deposit Bleed

decline
#54 of 162 • Bottom 32.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.74%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

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

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
381
Total Loans
size
Value: $464.12M
Peer Median: $258.35M
#381 of 2643 Top 14.4% in $100M-$1B
470
Total Assets
size
Value: $624.38M
Peer Median: $386.57M
#470 of 2643 Top 17.7% in $100M-$1B
642
Total Deposits
size
Value: $457.28M
Peer Median: $326.73M
#642 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (1 metrics)

2424
Loan-to-Deposit Ratio
liquidity
Value: 101.49%
Peer Median: 77.95%
#2424 of 2643 Bottom 8.3% in $100M-$1B
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