Liberty State Bank: how it compares with its peers
Against 20 ND banks with half to twice its assets, Liberty State Bank's strongest measure in Q2 2026 is efficiency ratio (33.55% vs. a 59.14% peer median). Its weakest relative measure is net interest margin (3.06% vs. 3.77%).
| Measure | Liberty State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.90% | 1.25% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.06% | 3.77% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 33.55% | 59.14% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.5M | $7.9M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.74% | 68.47% | Context |
What it means for lending operations
Its efficiency ratio of 33.55% is better than the 59.14% 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
- The Goose River Bank Mayville, ND · $173M
- Farmers and Merchants State Bank Langdon, ND · $143M
- First National Bank and Trust Co. of Bottineau Bottineau, ND · $176M
- Commercial Bank of Mott Mott, ND · $140M
- Lincoln State Bank Hankinson, ND · $125M
- First State Bank of Golva Golva, ND · $124M
Questions about Liberty State Bank
How big is Liberty State Bank?
Liberty State Bank, established in 1952, is headquartered in Powers Lake, ND. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Liberty State Bank's return on assets?
1.90% annualized in Q2 2026, against a 1.25% median for 20 ND banks with half to twice its assets, ahead of 90% of them.
What is Liberty State Bank's efficiency ratio?
33.55% in Q2 2026: it spent about 34 cents in noninterest expense for each dollar of revenue. The peer median is 59.14%, and lower is better.
Is Liberty State Bank growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 11.6%.
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 ND 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 North Dakota bank ranked.