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Liberty State Bank

Powers Lake, North DakotaFDIC Cert #17096

STATEEstablished 19521 branch

Holding company: LIBERTY BCORP INCRegulator: FDIC

FDICCERT + OFFDOM

Profitability, 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.

ROA
1.87%
+6.5%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROA
ROE
20.41%
−16.5%y/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROE
Pretax ROA
1.87%
+6.6%y/y
Peer standing75th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICPTAXNETINC + ASSET
NIM
3.01%
+1.3%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNIM + NIMY
Earning yield
4.76%
−1.2%y/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICINTINCY
IB deposit cost
2.57%
−7.9%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
33.28%
−16.0%y/y
Peer standing99th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
0.99%
−15.1%y/y
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + ASSET
Fee share
2.50%
−15.1%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONII + NIM
Assets YoY
+12.56%
+24.3%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits YoY
+12.09%
+6.0%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Loans YoY
+18.06%
+233.3%y/y
Percentile by value90th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
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
FDICNETINC + ROE
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
FDICNIM + NIMY
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
FDICNONIX + NIM + NONII + EEFFR
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
FDICDEP
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
FDICLNLSNET
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 %
FDICP9ASSET + NAASSET + LNLSGR
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
FDICRBC1AAJ
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
FDICEINTEXP + DEPIDOM
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
FDICLNRENROT + LNREMULT + LNRECONS + RBC
Toggle 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.