LIBERTY TRUST & SAVINGS BANK

DURANT, IA | Small | Est. Jan. 1, 1905, midnight | FDIC #10121 | RSSD #644646 | FDIC
Latest Report: 2025-12-31

LIBERTY TRUST & SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in DURANT, IA, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $181M and total deposits of $146M. Profitability stands at 1.04% ROA and 5.42% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 19.11%, 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 #10121.

Assets

$181M

Deposits

$146M

Loans

$108M

Equity

$35M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 5.42%
Net Interest Margin (NIM) 3.65%
Yield on Assets 5.03%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 19.11%
Tier 1 Capital 19.11%
Total Capital Ratio 20.06%
Leverage Ratio 20.53%
Loan-to-Deposit 74.39%

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