LIBERTY BANK

IRONTON, OH | Micro | Est. Jan. 1, 1896, midnight | FDIC #28463 | RSSD #534073 | FDIC
Latest Report: 2025-12-31

LIBERTY BANK is amn micro FDIC-insured commercial bank headquartered in IRONTON, OH, established in Jan. 1, 1896, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $49M. Profitability stands at 0.45% ROA and 2.91% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 16.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 1.99%. FDIC Certificate #28463.

Assets

$58M

Deposits

$49M

Loans

$29M

Equity

$9M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 2.91%
Net Interest Margin (NIM) 3.79%
Yield on Assets 4.57%
Cost of Funds 1.27%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.99%
NPA Ratio 0.32%
ACL / Loans 0.29%

Capital & Liquidity

CET1 Ratio 16.05%
Tier 1 Capital 16.05%
Total Capital Ratio 16.86%
Leverage Ratio 16.60%
Loan-to-Deposit 59.02%

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