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Liberty Capital Bank

$100M-$1B Specialty: Commercial TX FDIC cert 58852

Addison, TX

5 branches across TX

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 219 in TX.
  • Deposits +54.6% year over year ($675.9M on the books).
  • Delinquency rate 0.07%.
  • Return on assets 1.54%.
  • Efficiency ratio 57.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.00% 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 219 in TX
View $100M-$1B leaderboard (TX) →

Liberty Capital 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 6.8% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 6.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.4% in tier
  • - Cost Spiral: Bottom 49.3% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when Liberty Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $767.9M
+52.0% YoY +3.8% QoQ
+$381.3M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 9.8% in tier
Total Loans ? $615.1M
+60.2% YoY +9.0% QoQ
+$356.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 5.3% in tier
Total Deposits ? $675.9M
+54.6% YoY +4.1% QoQ
+$349.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 8.2% in tier
Return on Assets ? 1.54%
-19.3% YoY -8.2% QoQ
+0.22% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 4.12%
+3.0% YoY -1.1% QoQ
+0.13% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 57.70%
+23.4% YoY +0.8% QoQ
-6.78% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.07%
+9.5% YoY +53.8% QoQ
-0.84% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
77%
Loan-to-Deposit Ratio ? 91.00%
+3.6% YoY +4.7% QoQ
+13.05% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 27.20%
-0.1% YoY -8.9% QoQ
+5.17% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.06%
+15.4% YoY +61.5% QoQ
-0.61% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 12.55%
-6.7% YoY -7.6% QoQ
-3.36% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
42%
Non-Interest Income / Assets ? 0.05%
+309.7% YoY +100.9% QoQ
-0.52% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 5.8% in tier

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 27.2%
0.0pp YoY
-2.7pp QoQ
 +5.1pp 22.1% 29.2% 22.2% 74%
Brokered Deposits 0.4%
+0.4pp YoY
+0.4pp QoQ
 -7.4pp 7.9% 8.0% 8.5% 11%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.8%
-2.1pp YoY
+1.9pp QoQ
 -1.8pp 11.6% 14.8% 12.5% 52%
CRE 63.5%
+9.3pp YoY
-1.0pp QoQ
 +23.9pp 39.5% 48.4% 41.4% 88%
1-4 Family 21.2%
+1.5pp YoY
-0.7pp QoQ
 -11.4pp 32.6% 25.8% 31.3% 32%
Consumer 0.5%
+0.4pp YoY
-0.1pp QoQ
 -3.6pp 4.1% 4.7% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 12.6%
-0.9pp YoY
-1.0pp QoQ
 -6.3pp 18.8% 22.7% 19.7% 23%
Leverage Ratio 10.9%
-0.4pp YoY
-0.3pp QoQ
 -1.3pp 12.2% 12.6% 12.6% 48%
Total Capital Ratio 13.7%
-0.8pp YoY
-1.1pp QoQ
 -6.2pp 19.9% 23.8% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 77
+44 (+133.3%) YoY
+5 (+6.9%) QoQ
 +18 58 186 482 75%
Assets per Employee ($) $10.0M
-34.9% YoY
-2.9% QoQ
 +$2.5M $7.5M $10.1M $8.8M 85%
Branch Count 5
+4 (+400.0%) YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 31%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 10%
Allowance Coverage 15.00x
-7.0% YoY
-36.8% QoQ
 -9.16x 24.15x 18.82x 20.23x 86%
Net Charge-off Rate (YTD) 0.0%
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 36%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.7%
-3.5pp YoY
-1.2pp QoQ
 +1.5pp 12.2% 13.2% 11.6% 60%
Cost of Funds (YTD) 2.0%
-0.4pp YoY
+0.1pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $5.8M
+34.6% YoY
— QoQ
 +$3.2M $2.6M $15.9M $40.4M 91%

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
#46 of 659 • Top 6.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.07%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#56 of 1256 • Bottom 4.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.07%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Cost Spiral

risk
#69 of 138 • Bottom 49.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 57.70%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

142
Total Loans
size
Value: $615.07M
Peer Median: $258.35M
#142 of 2643 Top 5.3% in $100M-$1B
218
Total Deposits
size
Value: $675.91M
Peer Median: $326.73M
#218 of 2643 Top 8.2% in $100M-$1B
259
Total Assets
size
Value: $767.87M
Peer Median: $386.57M
#259 of 2643 Top 9.8% in $100M-$1B
600
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#600 of 2643 Top 22.7% in $100M-$1B
616
Delinquency Rate
credit_quality
Value: 0.07%
Peer Median: 0.92%
#616 of 2633 Top 23.4% in $100M-$1B

Top Weaknesses (2 metrics)

2492
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2492 of 2643 Bottom 5.8% in $100M-$1B
2008
Loan-to-Deposit Ratio
liquidity
Value: 91.00%
Peer Median: 77.95%
#2008 of 2643 Bottom 24.1% in $100M-$1B
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