Liberty Bank: how it compares with its peers
Against 193 U.S. banks with half to twice its assets, Liberty Bank's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $10.0M peer median). Its weakest relative measure is efficiency ratio (75.60% vs. 54.93%).
| Measure | Liberty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.31% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.45% | 3.70% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.60% | 54.93% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $10.0M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.81% | 88.21% | Context |
What it means for lending operations
Its efficiency ratio of 75.60% is above the 54.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Amalgamated Bank New York, NY · $9.41B
- 1st Source Bank South Bend, IN · $9.26B
- Lake Forest Bank & Trust Company, National Association Lake Forest, IL · $9.25B
- Union Bank and Trust Company Lincoln, NE · $9.24B
- First American Trust, FSB Santa Ana, CA · $9.23B
- Peoples Bank Marietta, OH · $9.53B
Questions about Liberty Bank
How big is Liberty Bank?
Liberty Bank, established in 1825, is headquartered in Middletown, CT. It reported $9.38B in total assets in its Q2 2026 FDIC call report and operates 51 offices.
What is Liberty Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.31% median for 193 U.S. banks with half to twice its assets, ahead of 47% of them.
What is Liberty Bank's efficiency ratio?
75.60% in Q2 2026: it spent about 76 cents in noninterest expense for each dollar of revenue. The peer median is 54.93%, and lower is better.
Is Liberty Bank growing its loans?
Net loans grew 13.4% over the year to Q2 2026, while deposits grew 5.0%.
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 U.S. 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 Connecticut bank ranked.