1.62%
+4.6%y/y
Peer standing74th percentile
FDIC
NETINC + ROALB
Liberty Bank
Geraldine, AlabamaFDIC Cert #20429
STATEEstablished 19719 branches
Holding company: FIRST BCORP OF GERALDINE INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
14.74%
+4.1%y/y
Peer standing71st percentile
FDIC
NETINC + ROE1.96%
+0.8%y/y
Peer standing80th percentile
FDIC
PTAXNETINC + ASSET4.93%
+4.9%y/y
Peer standing91st percentile
FDIC
NIM + NIMY6.78%
+2.4%y/y
Peer standing91st percentile
FDIC
INTINCY2.63%
−5.2%y/y
Peer standing32nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
59.30%
+3.9%y/y
Peer standing66th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.00%
+8.3%y/y
Peer standing31st percentile
FDIC
NONIX + ASSET8.40%
−8.5%y/y
Percentile by value49th percentileby value
FDIC
NONII + NIM+11.79%
+103.5%y/y
Percentile by value87th percentileby value
FDIC
ASSET+11.74%
+119.5%y/y
Percentile by value85th percentileby value
FDIC
DEP+16.56%
−5.3%y/y
Percentile by value88th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.62%74th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE14.74%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.93%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.30%66th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+11.74%85th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+16.56%88th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.42%49th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ11.59%57th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
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
FDIC
EINTEXP + DEPIDOM2.63%32nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.62%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.08%90th 1.86%Observations 93
ROE
FDIC
NETINC + ROE14.74%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.89%Median 10.62%90th 18.52%Observations 93
NIM
FDIC
NIM + NIMY4.93%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.78%90th 4.94%Observations 93
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.30%66th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.88%Median 64.51%90th 85.35%Observations 93
Deposits YoY
FDIC
DEP+11.74%88th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.86%Median +3.54%90th +12.74%Observations 92
Loans YoY
FDIC
LNLSNET+16.56%89th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.14%Median +5.14%90th +17.34%Observations 92
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.42%55th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.52%90th 2.83%Observations 93
Leverage
FDIC
RBC1AAJ11.59%57th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.15%Median 11.18%90th 18.53%Observations 93
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
FDIC
EINTEXP + DEPIDOM2.63%32nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.35%90th 3.19%Observations 93
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 40%Median 160%90th 273%Observations 37
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.62%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.05%90th 1.52%Observations 32
ROE
FDIC
NETINC + ROE14.74%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.37%Median 10.27%90th 15.80%Observations 32
NIM
FDIC
NIM + NIMY4.93%84th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.77%Median 3.83%90th 5.35%Observations 32
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.30%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 58.78%Median 68.02%90th 88.66%Observations 32
Deposits YoY
FDIC
DEP+11.74%84th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.00%Median +2.80%90th +13.03%Observations 32
Loans YoY
FDIC
LNLSNET+16.56%87th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.40%Median +6.20%90th +19.25%Observations 32
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.42%65th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.64%90th 3.08%Observations 32
Leverage
FDIC
RBC1AAJ11.59%55th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 11.39%90th 17.36%Observations 32
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
FDIC
EINTEXP + DEPIDOM2.63%35th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.27%90th 3.38%Observations 32
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 77%90th 221%Observations 8
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. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.