BlastPoint's Banking Scorecard
Liberty Capital Bank
Community
Specialty: Commercial
TX
FDIC cert 58852
Addison, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Liberty Capital Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$747.3M
+75.5% YoY
+49.1% QoQ
|
-$644.2M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$594.4M
+72.2% YoY
+48.0% QoQ
|
-$381.1M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$657.7M
+76.0% YoY
+54.5% QoQ
|
-$506.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.50%
+6.4% YoY
-22.8% QoQ
|
+0.34% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
4.33%
+17.1% YoY
+7.9% QoQ
|
+0.67% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
53.39%
+5.3% YoY
+15.3% QoQ
|
-9.24% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? | 0.01% | -0.62% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
90.37%
-2.2% YoY
-4.2% QoQ
|
+7.31% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
29.02%
-8.6% YoY
+1.0% QoQ
|
+7.97% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? | 0.01% | -0.49% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
12.76%
-13.0% YoY
-2.3% QoQ
|
+2.52% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.12%
+330.4% YoY
+279.9% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#158 of 371 · Top 42% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Credit Quality Pressure
risk
#9 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.02% · Tier avg: 21.05%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.76% · Tier avg: 10.24%
40
40th pctile
Total Loans
Current: $594.4M · Tier avg: $975.5M
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.37% · Tier avg: 83.06%
34
34th pctile
Total Deposits
Current: $657.7M · Tier avg: $1.2B
31
31th pctile
Total Assets
Current: $747.3M · Tier avg: $1.4B
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
31
31th pctile
Total Assets
Current: $747.3M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $657.7M · Tier avg: $1.2B
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.37% · Tier avg: 83.06%
40
40th pctile
Total Loans
Current: $594.4M · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.76% · Tier avg: 10.24%
74
74th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.16%
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.02% · Tier avg: 21.05%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%