Liberty Bank: how it compares with its peers
Against 29 OH banks with half to twice its assets, Liberty Bank's strongest measure in Q2 2026 is efficiency ratio (70.82% vs. a 78.80% peer median). Its weakest relative measure is return on assets (0.69% vs. 0.69%).
| Measure | Liberty Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.69% | 0.69% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.70% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.82% | 78.80% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $4.9M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.51% | 76.28% | Context |
What it means for lending operations
Its efficiency ratio of 70.82% is better than the 78.80% 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
- Community First Bank, National Association Forest, OH · $56M
- The Pioneer Savings Bank Cleveland, OH · $55M
- The Union Banking Company West Mansfield, OH · $55M
- Fortuna Bank Grandview Heights, OH · $57M
- The Waterford Commercial and Savings Bank Waterford, OH · $60M
- The Peoples Bank Gambier, OH · $60M
Questions about Liberty Bank
How big is Liberty Bank?
Liberty Bank, established in 1896, is headquartered in Ironton, OH. It reported $56M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Liberty Bank's return on assets?
0.69% annualized in Q2 2026, against a 0.69% median for 29 OH banks with half to twice its assets, ahead of 48% of them.
What is Liberty Bank's efficiency ratio?
70.82% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 78.80%, and lower is better.
Is Liberty Bank growing its loans?
Net loans shrank 4.5% over the year to Q2 2026, while deposits shrank 7.8%.
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 OH 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 Ohio bank ranked.