Liberty Bank: how it compares with its peers
Against 46 AL banks with half to twice its assets, Liberty Bank's strongest measure in Q2 2026 is return on assets (1.69% vs. a 1.14% peer median). Its weakest relative measure is assets per employee ($4.6M vs. $5.9M).
| Measure | Liberty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.69% | 1.14% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 4.06% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.51% | 65.28% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.6M | $5.9M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.26% | 67.87% | Context |
What it means for lending operations
Its efficiency ratio of 57.51% is better than the 65.28% 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
- First Financial Bank Bessemer, AL · $248M
- First Bank of Boaz Boaz, AL · $240M
- The First National Bank and Trust Atmore, AL · $239M
- HNB First Bank Headland, AL · $282M
- The Citizens Bank Enterprise, AL · $233M
- Community Spirit Bank Red Bay, AL · $229M
Questions about Liberty Bank
How big is Liberty Bank?
Liberty Bank, established in 1971, is headquartered in Geraldine, AL. It reported $259M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Liberty Bank's return on assets?
1.69% annualized in Q2 2026, against a 1.14% median for 46 AL banks with half to twice its assets, ahead of 85% of them.
What is Liberty Bank's efficiency ratio?
57.51% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 65.28%, and lower is better.
Is Liberty Bank growing its loans?
Net loans grew 18.1% over the year to Q2 2026, while deposits grew 19.5%.
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 AL 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 Alabama bank ranked.