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Liberty Bank
Middletown, CT·FDIC Cert #17943·Charter: STATE·Est. 18250515.0·HC: LIBERTY FINANCIAL CORP
Total Assets
$9.0B
Q4 2025
Return on Assets
0.99%
-0.11%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
72.45%
Peer avg: 56.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%-0.11
ROE
7.51%-0.77
Efficiency
72.45%+1.47
Equity/Assets
0.00%+0.00
NPL Ratio
0.41%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.29%+4.19
Charge-offs
0.35%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 0.9 | 1.0 | 0.8 | -0.2 | 0.8 | 1.1 | 1.0 |
| ROE | 8.6 | 6.6 | 7.4 | 5.9 | -1.2 | 6.2 | 8.3 | 7.5 |
| Efficiency | 67.0 | 68.9 | 69.6 | 72.8 | 76.0 | 73.7 | 71.0 | 72.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 0.7 | 0.7 | 0.6 | 0.6 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.2 | 0.8 | 0.6 | 0.4 | 0.7 | 0.4 | 0.4 | 0.4 |
| Loan/Deposit | 92.6 | 92.4 | 91.6 | 93.0 | 91.5 | 94.3 | 95.1 | 99.3 |
Balance Sheet
Total Assets$9.0B
Total Deposits$6.9B
Total Loans$6.9B
Total Equity$1.2B
Profitability
ROA0.99%
ROE7.51%
Efficiency Ratio72.45%
Net Income$84.3M
Risk & Asset Quality
NPL Ratio0.41%
Charge-off Rate0.35%
Loan/Deposit99.29%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans