−3.57%
New institution — no prior-year comparison
FDIC
NETINC + ROALB
Liberty Bank of New Jersey
Verona, New JerseyFDIC Cert #59369
STATEEstablished 20262 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
−5.30%
New institution — no prior-year comparison
FDIC
NETINC + ROE−3.57%
New institution — no prior-year comparison
FDIC
PTAXNETINC + ASSET2.20%
New institution — no prior-year comparison
FDIC
NIM + NIMY2.32%
New institution — no prior-year comparison
FDIC
INTINCY0.77%
New institution — no prior-year comparison
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
267.55%
New institution — no prior-year comparison
FDIC
NONIX + NIM + NONII + EEFFR5.70%
New institution — no prior-year comparison
FDIC
NONIX + ASSET0.00%
New institution — no prior-year comparison
FDIC
NONII + NIMNew institution — no prior-year comparison
FDIC
ASSETNew institution — no prior-year comparison
FDIC
DEPNew institution — no prior-year comparison
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA−3.57%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 0.91%90th 1.99%Observations 26
ROE
FDIC
NETINC + ROE−5.30%7th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.23%Median 8.37%90th 14.68%Observations 26
NIM
FDIC
NIM + NIMY2.20%4th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.65%Median 3.31%90th 4.31%Observations 26
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR267.55%4th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.02%Median 62.58%90th 80.43%Observations 26
Deposits YoY
FDIC
DEPToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.00%Median +3.05%90th +11.25%Observations 24
Loans YoY
FDIC
LNLSNETToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.38%Median +5.27%90th +18.62%Observations 24
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGRToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.48%90th 1.81%Observations 25
Leverage
FDIC
RBC1AAJ93.12%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.29%Median 10.68%90th 25.13%Observations 26
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.77%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.21%Median 2.97%90th 3.84%Observations 26
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 85%Median 326%90th 435%Observations 17
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.