$164M
+12.6%y/y
Percentile by value38th percentileby value
FDIC
ASSETLS
Liberty State Bank
Powers Lake, North DakotaFDIC Cert #17096
STATEEstablished 19521 branch
Holding company: LIBERTY BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportLiberty State Bank reported $164M in total assets. Deposits grew 12.09% over the prior year.
Return on assets was 1.87%, compared with the official FFIEC UBPR peer median of 1.26%. The leverage ratio was 13.21%.
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Return on Assets above its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$148M
+12.1%y/y
Percentile by value44th percentileby value
FDIC
DEP$57M
+18.1%y/y
Percentile by value9th percentileby value
FDIC
LNLSNET1.87%
+11 bpsy/y
Peer standing83rd percentile
FDIC
NETINC + ROA33.28%
−636 bpsy/y
Peer standing99th percentile
FDIC
NONIX + NIM + NONII + EEFFR13.21%
+6 bpsy/y
Peer standing75th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,099 ffiec ubpr peer group 6 — insured commercial banks having assets between $100 million and $300 million.
Side-by-side comparison
Liberty State Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.87%
Registry median
1.26%
This bank
20.41%
FFIEC trimmed average
12.19%
This bank
3.01%
Registry median
3.95%
This bank
33.28%
Registry median
62.76%
This bank
+12.09%
FFIEC trimmed average
+4.67%
This bank
+18.06%
FFIEC trimmed average
+5.94%
This bank
0.20%
FFIEC trimmed average
0.67%
This bank
13.21%
FFIEC trimmed average
11.53%
This bank
2.57%
Registry median
2.24%
This bank
Registry median
99%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.87%
Registry median
1.35%
This bank
20.41%
FFIEC trimmed average
14.06%
This bank
3.01%
Registry median
3.73%
This bank
33.28%
Registry median
61.19%
This bank
+12.09%
FFIEC trimmed average
+3.41%
This bank
+18.06%
FFIEC trimmed average
+4.43%
This bank
0.20%
FFIEC trimmed average
0.70%
This bank
13.21%
FFIEC trimmed average
10.47%
This bank
2.57%
Registry median
2.36%
This bank
Registry median
57%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $108M | $94M |
| Q3 2021 | $114M | $94.6M |
| Q4 2021 | $118M | $97.1M |
| Q1 2022 | $122M | $107M |
| Q2 2022 | $122M | $111M |
| Q3 2022 | $121M | $113M |
| Q4 2022 | $124M | $114M |
| Q1 2023 | $128M | $116M |
| Q2 2023 | $123M | $110M |
| Q3 2023 | $121M | $111M |
| Q4 2023 | $126M | $113M |
| Q1 2024 | $132M | $119M |
| Q2 2024 | $133M | $119M |
| Q3 2024 | $137M | $121M |
| Q4 2024 | $140M | $127M |
| Q1 2025 | $145M | $132M |
| Q2 2025 | $141M | $127M |
| Q3 2025 | $152M | $136M |
| Q4 2025 | $158M | $142M |
| Q1 2026 | $164M | $148M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $175K |
| Investor CRE | $4.43M |
| Multifamily | $827K |
| Construction | $402K |
| 1–4 family | $8.55M |
| C&I | $3.7M |
| Agriculture | $35.9M |
| Other | $4.13M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.87%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDIC
NETINC + ROE20.41%89th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDIC
NIM + NIMY3.01%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR33.28%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDIC
DEP+12.09%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDIC
LNLSNET+18.06%89th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.20%38th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDIC
RBC1AAJ13.21%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 11.00%90th 15.77%Observations 1,099
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 + DEPIDOM2.57%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.24%90th 3.26%Observations 1,099
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 19%Median 99%90th 243%Observations 514
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.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.87%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.92%Median 1.35%90th 1.96%Observations 59
ROE
FDIC
NETINC + ROE20.41%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 9.02%Median 13.89%90th 20.72%Observations 59
NIM
FDIC
NIM + NIMY3.01%12th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.93%Median 3.73%90th 4.34%Observations 59
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR33.28%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.53%Median 61.19%90th 69.63%Observations 59
Deposits YoY
FDIC
DEP+12.09%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.37%Median +3.73%90th +11.83%Observations 59
Loans YoY
FDIC
LNLSNET+18.06%95th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.56%Median +4.72%90th +14.02%Observations 59
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.20%35th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.51%90th 2.04%Observations 59
Leverage
FDIC
RBC1AAJ13.21%90th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.99%Median 10.17%90th 13.07%Observations 59
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 + DEPIDOM2.57%29th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.73%Median 2.36%90th 3.00%Observations 59
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 15%Median 57%90th 253%Observations 29
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.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Powers Lake, ND
FDIC
OFFDOMOpen the North Dakota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data