BlastPoint's Banking Scorecard
Liberty Bank, Inc.
Micro
Specialty: Other
UT
FDIC cert 26816
Salt Lake City, UT
2498
banks in Micro tier nationally
9 in UT
View Micro leaderboard (UT) →
Liberty Bank, Inc. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 4.92% below tier
- - Net Interest Margin 3.08% below tier
- - Non-Interest-Bearing Deposit Share 20.01% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$13.0M
-4.3% YoY
-0.3% QoQ
|
-$204.5M |
$217.5M
+2.3% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$8.2M
-5.2% YoY
+2.1% QoQ
|
-$175.5M |
$183.7M
+1.8% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-3.84%
+41.9% YoY
-8.9% QoQ
|
-4.92% |
1.08%
+14.7% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
0.78%
-72.8% YoY
-10.3% QoQ
|
-3.08% |
3.85%
+6.6% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
801.03%
+88.6% YoY
+12.6% QoQ
|
+733.30% |
67.73%
-4.8% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
2.38%
+121.1% YoY
+40.4% QoQ
|
-20.01% |
22.39%
-1.3% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-63.3% YoY
+62.9% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.84%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.78%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.38%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.38% · Tier avg: 22.39%
1
1th pctile
Total Deposits
Current: $8.2M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
0
0th pctile
Total Assets
Current: $13.0M · Tier avg: $217.5M
0
0th pctile
Net Interest Margin
Current: 0.78% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -3.84% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -3.84% · Tier avg: 1.08%
0
0th pctile
Net Interest Margin
Current: 0.78% · Tier avg: 3.85%
0
0th pctile
Total Assets
Current: $13.0M · Tier avg: $217.5M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $8.2M · Tier avg: $183.7M
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.38% · Tier avg: 22.39%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%