BlastPoint's Banking Scorecard
Liberty National Bank
Community
Specialty: Agricultural
IA
FDIC cert 57505
Sioux City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Liberty National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5% in Community
- - Flatlined Growth: Bottom 24% in Community
- - Capital Constraint: Bottom 74% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$602.6M
-1.9% YoY
+0.2% QoQ
|
-$788.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$452.0M
+7.2% YoY
+0.7% QoQ
|
-$523.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$424.6M
-7.9% YoY
+1.5% QoQ
|
-$740.0M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.18%
+20.9% YoY
-0.1% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.00%
+10.3% YoY
+0.7% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
56.54%
-5.4% YoY
+0.2% QoQ
|
-6.09% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
106.44%
+16.4% YoY
-0.8% QoQ
|
+23.38% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.86%
-7.3% YoY
-7.0% QoQ
|
+0.82% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.20%
+4.4% YoY
+0.5% QoQ
|
+0.96% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.60%
+15.8% YoY
+31.6% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Deposit Outflow
decline
#13 of 248 · Bottom 5% 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
Flatlined Growth
risk
#60 of 245 · Bottom 24% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.18%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Constraint
risk
#35 of 47 · Bottom 74% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
106.44%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.20%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
69
69th pctile
Efficiency Ratio
Current: 56.54% · Tier avg: 62.63%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.20% · Tier avg: 10.24%
23
23th pctile
Total Loans
Current: $452.0M · Tier avg: $975.5M
15
15th pctile
Total Assets
Current: $602.6M · Tier avg: $1.4B
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.44% · Tier avg: 83.06%
2
2th pctile
Total Deposits
Current: $424.6M · Tier avg: $1.2B
Top Weaknesses
2
2th pctile
Total Deposits
Current: $424.6M · Tier avg: $1.2B
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.44% · Tier avg: 83.06%
15
15th pctile
Total Assets
Current: $602.6M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $452.0M · Tier avg: $975.5M
38
38th pctile
Tier 1 Capital Ratio
Current: 11.20% · Tier avg: 10.24%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
69
69th pctile
Efficiency Ratio
Current: 56.54% · Tier avg: 62.63%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%