LIBERTY BANK

GERALDINE, AL | Small | Est. May 29, 1971, midnight | FDIC #20429 | RSSD #386432 | FDIC
Latest Report: 2025-12-31

LIBERTY BANK is asn small FDIC-insured commercial bank headquartered in GERALDINE, AL, established in May 29, 1971, midnight. As of 2025-12-31, the bank reported total assets of $236M and total deposits of $209M. Profitability stands at 1.38% ROA and 12.55% ROE, with a net interest margin of 5.07%. The bank's CET1 capital ratio is 10.84%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.42%. FDIC Certificate #20429.

Assets

$236M

Deposits

$209M

Loans

$168M

Equity

$26M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 12.55%
Net Interest Margin (NIM) 5.07%
Yield on Assets 7.01%
Cost of Funds 2.01%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.42%
NPA Ratio 0.16%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 10.84%
Tier 1 Capital 10.84%
Total Capital Ratio 11.38%
Leverage Ratio 11.26%
Loan-to-Deposit 80.28%

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