BlastPoint's Banking Scorecard

Liberty National Bank

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

Sioux City, IA

10 branches across SD · IA

2664 banks in the $100M-$1B peer group nationally 166 in 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.27% above tier average
+ Efficiency Ratio 9.95% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 47.6% in tier
- NIB Deposit Bleed: Bottom 67.2% in tier
- Loan-to-Deposit Ratio 27.39% above tier average

Get updates when Liberty National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$605.2M +2.9% YoY +0.4% QoQ	+$219.1M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$460.1M +6.0% YoY +1.8% QoQ	+$204.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 14.8% in tier
Total Deposits ?	$442.3M +0.5% YoY +4.1% QoQ	+$114.3M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.30% +13.1% YoY +10.8% QoQ	+0.04%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	4.20% +8.2% YoY +4.9% QoQ	+0.27%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	55.33% -2.7% YoY -2.1% QoQ	-9.95%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	104.03% +5.4% YoY -2.3% QoQ	+27.39%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 5.4% in tier
Non-Interest-Bearing Deposit Share ?	20.30% -14.3% YoY -7.1% QoQ	-1.72%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.10% +2.8% YoY -0.9% QoQ	-4.73%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.16% +9.2% YoY -73.4% QoQ	-0.12%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	76%

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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)

Capital Thin

risk

#318 of 666 • Bottom 47.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.10%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

NIB Deposit Bleed

decline

#134 of 198 • Bottom 67.2% 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: 20.30%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

394

Total Loans

size

Value: $460.06M

Peer Median: $255.72M

#394 of 2664 Top 14.8% in $100M-$1B

508

Total Assets

size

Value: $605.21M

Peer Median: $386.08M

#508 of 2664 Top 19.0% in $100M-$1B

628

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#628 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2520

Loan-to-Deposit Ratio

liquidity

Value: 104.03%

Peer Median: 76.64%

#2520 of 2664 Bottom 5.4% in $100M-$1B

2021

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.83%

#2021 of 2664 Bottom 24.2% in $100M-$1B