BlastPoint's Banking Scorecard
Liberty Savings Bank, F.S.B.
Community
Specialty: Mortgage
OH
FDIC cert 32242
Wilmington, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Liberty Savings Bank, F.S.B. faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21% in Community
- - Deposit Outflow: Bottom 45% in Community
- - Liquidity Overhang: Bottom 48% in Community
- - Return on Assets 1.03% below tier
- - Net Interest Margin 2.08% below tier
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-8.0% YoY
-2.4% QoQ
|
-$283.5M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$784.7M
-7.7% YoY
-3.3% QoQ
|
-$190.8M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$983.9M
-1.9% YoY
-1.8% QoQ
|
-$180.7M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.14%
-61.1% YoY
-32.1% QoQ
|
-1.03% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
1.58%
+27.9% YoY
+1.9% QoQ
|
-2.08% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
87.61%
+20.1% YoY
+5.8% QoQ
|
+24.98% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.31%
+4.7% YoY
-1.2% QoQ
|
+0.68% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
79.75%
-5.9% YoY
-1.6% QoQ
|
-3.31% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
11.76%
-4.1% YoY
+2.5% QoQ
|
-9.29% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
1.11%
+5.8% YoY
+2.2% QoQ
|
+0.61% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
17.67%
+5.7% YoY
+3.3% QoQ
|
+7.43% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.13%
-68.8% YoY
+25.4% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Efficiency Drag
risk
#32 of 152 · Bottom 21% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
87.61%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#112 of 248 · Bottom 45% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Overhang
risk
#130 of 268 · Bottom 48% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.67%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
79.75%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.58%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, 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
88
88th pctile
Tier 1 Capital Ratio
Current: 17.67% · Tier avg: 10.24%
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.75% · Tier avg: 83.06%
58
58th pctile
Total Deposits
Current: $983.9M · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $784.7M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.76% · Tier avg: 21.05%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
4
4th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.16%
1
1th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.66%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.58% · Tier avg: 3.66%
4
4th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 87.61% · Tier avg: 62.63%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.76% · Tier avg: 21.05%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.11% · Tier avg: 0.50%
19
19th pctile
Delinquency Rate
Current: 1.31% · Tier avg: 0.63%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Loans
Current: $784.7M · Tier avg: $975.5M
58
58th pctile
Total Deposits
Current: $983.9M · Tier avg: $1.2B
62
62th pctile
Loan-to-Deposit Ratio
Current: 79.75% · Tier avg: 83.06%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.67% · Tier avg: 10.24%