Liberty Bank, Inc.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank, Inc., based in Salt Lake City, Utah, reported $11 million in assets at June 30, 2026, down 14.2% from a year earlier. It is losing 42.6% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also keeps 0.62 cents of net interest income on every dollar of earning assets, a small fraction of the median of 3.88 cents for banks its size.
It lost $443,000 in the quarter. Funding is the softer spot: it pays an average of 3.87% on its deposits and borrowings, 2.5 times the median of 1.54% for banks its size.
As of June 30, 2026, Liberty Bank, Inc. reported a CET1 capital ratio of 73.51%, a return on assets of -14.79% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 79 S Main St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 5, 1956
- Former names
- Stitch Bank, Inc. (2026); Liberty Financial Corporation (1988-1994)
- Offices
- 1 domestic
- Employees (FTE)
- 7
- Domestic deposits
- $7.2M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $12.0M
- Average total loans
- $0
- Average interest-bearing deposits
- $7.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 20, 1986
- FDIC Cert
- 26816
- Fed RSSD
- 593771
- SEC CIK
- 1890443 → filed by CACHE VALLEY BANKING COMPANY
- Website
- www.libertybankofutah.com →
- Parent Holding Company
- CACHE VALLEY BANKING COMPANY (RSSD 2324997)
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 73.51% | -14.79% | — | 0.00% | 0.62% |
| Q1 2026 | 102.22% | -8.50% | — | 0.00% | 0.50% |
| Q4 2025 | — | -4.81% | — | 0.00% | 0.49% |
| Q3 2025 | — | -2.64% | — | 0.00% | 1.28% |
| Q2 2025 | — | -2.88% | — | 0.00% | 1.07% |
| Q1 2025 | — | -5.94% | — | 0.00% | 0.42% |
| Q4 2024 | 69.05% | -3.97% | — | 0.00% | 1.58% |
| Q3 2024 | 69.76% | 2.92% | — | 0.00% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Bank, Inc. (main office) | Salt Lake City , UT | 84111 | $7.2M |
Regulatory record
What the public regulatory sources show for Liberty Bank, Inc., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- March 20, 2007, Federal Reserve: Cease and Desist Order: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- April 19, 2004, Federal Reserve: Written Agreement: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- Period: Most recent institution action March 20, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 62 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $415K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Liberty Bank, Inc.
What are Liberty Bank, Inc.'s total assets?
As of the Q2 2026 filing, Liberty Bank, Inc. reported total assets of $11.4 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Liberty Bank, Inc. headquartered?
Liberty Bank, Inc. is headquartered in Salt Lake City, UT, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Liberty Bank, Inc. founded?
Liberty Bank, Inc. was established in 1956, per the FDIC institution directory.
Is Liberty Bank, Inc. FDIC-insured?
Yes. Liberty Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #26816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank, Inc.?
Liberty Bank, Inc.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Liberty Bank, Inc.'s CET1 capital ratio?
Liberty Bank, Inc. reported a Common Equity Tier 1 (CET1) capital ratio of 73.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Liberty Bank, Inc. operate?
Liberty Bank, Inc. operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank, Inc.'s Texas Ratio?
Liberty Bank, Inc.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Liberty Bank, Inc. previously called?
The charter now named Liberty Bank, Inc. has also operated as Stitch Bank, Inc. (2026), Liberty Financial Corporation (1988-1994), per FDIC structure-change records.
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