Liberty Bank and Trust Company: how it compares with its peers
Against 29 LA banks with half to twice its assets, Liberty Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 4.31% peer median). Its weakest relative measure is return on assets (0.92% vs. 1.56%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 1.56% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.31% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.94% | 61.91% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.4M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.91% | 82.40% | Context |
What it means for lending operations
Its efficiency ratio of 70.94% is above the 61.91% 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
- The Evangeline Bank and Trust Company Ville Platte, LA · $1.11B
- First Federal Bank of Louisiana Lake Charles, LA · $1.15B
- Crescent Bank Metairie, LA · $1.07B
- FIDELITY BANK New Orleans, LA · $1.23B
- JD Bank Jennings, LA · $1.26B
- First National Banker's Bank Baton Rouge, LA · $983M
Questions about Liberty Bank and Trust Company
How big is Liberty Bank and Trust Company?
Liberty Bank and Trust Company, established in 1972, is headquartered in New Orleans, LA. It reported $1.13B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Liberty Bank and Trust Company's return on assets?
0.92% annualized in Q2 2026, against a 1.56% median for 29 LA banks with half to twice its assets, ahead of 17% of them.
What is Liberty Bank and Trust Company's efficiency ratio?
70.94% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 61.91%, and lower is better.
Is Liberty Bank and Trust Company growing its loans?
Net loans grew 2.8% over the year to Q2 2026, while deposits grew 1.6%.
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 LA 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 Louisiana bank ranked.