Liberty Bank of New Jersey: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Liberty Bank of New Jersey's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $6.5M peer median). Its weakest relative measure is return on assets (-2.47% vs. 1.17%).
| Measure | Liberty Bank of New Jersey | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.47% | 1.17% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.22% | 3.94% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 211.61% | 65.25% | Bottom third Ahead of 1% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.5M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 5.06% | 74.79% | Context |
What it means for lending operations
Its efficiency ratio of 211.61% is above the 65.25% 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
- First Capital Bank Quanah, TX · $107M
- Citizens Bank & Trust Rock Port, MO · $107M
- Produce State Bank Hollandale, MN · $107M
- The Sherwood State Bank Sherwood, OH · $108M
- Community Unity Bank Birmingham, MI · $107M
- The Bank of Magnolia Company Magnolia, OH · $108M
Questions about Liberty Bank of New Jersey
How big is Liberty Bank of New Jersey?
Liberty Bank of New Jersey, established in 2026, is headquartered in Verona, NJ. It reported $107M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Liberty Bank of New Jersey's return on assets?
-2.47% annualized in Q2 2026, against a 1.17% median for 1000 U.S. banks with half to twice its assets, ahead of 1% of them.
What is Liberty Bank of New Jersey's efficiency ratio?
211.61% in Q2 2026: it spent about 212 cents in noninterest expense for each dollar of revenue. The peer median is 65.25%, and lower is better.
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 New Jersey bank ranked.