Liberty Trust & Savings Bank: how it compares with its peers
Against 108 IA banks with half to twice its assets, Liberty Trust & Savings Bank's strongest measure in Q2 2026 is efficiency ratio (47.56% vs. a 55.88% peer median). Its weakest relative measure is net interest margin (3.59% vs. 3.62%).
| Measure | Liberty Trust & Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.37% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.62% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.56% | 55.88% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $8.6M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.46% | 79.60% | Context |
What it means for lending operations
Its efficiency ratio of 47.56% is better than the 55.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bellevue State Bank Bellevue, IA · $188M
- Peoples Savings Bank Wellsburg, IA · $189M
- Danville State Savings Bank New London, IA · $183M
- St. Ansgar State Bank Saint Ansgar, IA · $182M
- Farmers Trust & Savings Bank Williamsburg, IA · $192M
- Security Savings Bank Gowrie, IA · $194M
Questions about Liberty Trust & Savings Bank
How big is Liberty Trust & Savings Bank?
Liberty Trust & Savings Bank, established in 1905, is headquartered in Durant, IA. It reported $186M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Liberty Trust & Savings Bank's return on assets?
1.59% annualized in Q2 2026, against a 1.37% median for 108 IA banks with half to twice its assets, ahead of 68% of them.
What is Liberty Trust & Savings Bank's efficiency ratio?
47.56% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Liberty Trust & Savings Bank growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits grew 3.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.