Liberty National Bank: how it compares with its peers
Against 73 IA banks with half to twice its assets, Liberty National Bank's strongest measure in Q2 2026 is assets per employee ($11.4M vs. a $8.1M peer median). Its weakest relative measure is return on assets (1.26% vs. 1.44%).
| Measure | Liberty National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.44% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.63% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.46% | 55.02% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.4M | $8.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.49% | 84.40% | Context |
What it means for lending operations
Its efficiency ratio of 55.46% is above the 55.02% 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
- South Story Bank & Trust Slater, IA · $624M
- GNB Bank Grundy Center, IA · $621M
- Marion County State Bank Pella, IA · $629M
- Farmers Trust and Savings Bank Spencer, IA · $618M
- Farmers & Merchants Savings Bank Manchester, IA · $617M
- Community Savings Bank Edgewood, IA · $614M
Questions about Liberty National Bank
How big is Liberty National Bank?
Liberty National Bank, established in 2003, is headquartered in Sioux City, IA. It reported $624M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Liberty National Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.44% median for 73 IA banks with half to twice its assets, ahead of 38% of them.
What is Liberty National Bank's efficiency ratio?
55.46% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 55.02%, and lower is better.
Is Liberty National Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 7.2%.
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 IA 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 Iowa bank ranked.