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BDI
LB

Liberty Bank

Middletown, ConnecticutFDIC Cert #17943

STATEEstablished 182551 branches

Holding company: LIBERTY FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$204M
Investor CRE$1.44B
Multifamily$1.32B
Construction$514M
1–4 family$2.23B
C&I$1.12B
Agriculture$0
Other$207M

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$7.03B
+13.1%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSGR
Net loans
$6.95B
+13.1%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
Loans YoY
+13.11%
+57.2%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET
L/D
97.4%
+6.5%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + DEP
Loans/assets
77.0%
+2.7%y/y
Percentile by value58th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNLSNET + ASSET
RE loans %
86.38%
−0.9%y/y
Percentile by value23rd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
259%
−1.9%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
41%
−15.9%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,118points
+3.2%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
2.90%
−7.6%y/y
Percentile by value26th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
20.42%
+11.0%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNRENROT + LNLSGR
C&I %
15.94%
+3.3%y/y
Percentile by value93rd percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNCI + LNLSGR