LIBERTY BANK MINNESOTA

SAINT CLOUD, MN | Small | Est. Jan. 1, 1987, midnight | FDIC #26891 | RSSD #1387203 | FED
Latest Report: 2025-12-31

LIBERTY BANK MINNESOTA is asn small FDIC-insured commercial bank headquartered in SAINT CLOUD, MN, established in Jan. 1, 1987, midnight. As of 2025-12-31, the bank reported total assets of $284M and total deposits of $255M. Profitability stands at 1.07% ROA and 10.90% ROE, with a net interest margin of 3.18%. The bank's CET1 capital ratio is 25.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26891.

Assets

$284M

Deposits

$255M

Loans

$137M

Equity

$28M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 10.90%
Net Interest Margin (NIM) 3.18%
Yield on Assets 3.87%
Cost of Funds 0.71%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 25.92%
Tier 1 Capital 25.92%
Total Capital Ratio 26.85%
Leverage Ratio 13.60%
Loan-to-Deposit 53.62%

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