LIBERTY STATE BANK

POWERS LAKE, ND | Small | Est. April 17, 1952, midnight | FDIC #17096 | RSSD #883351 | FDIC
Latest Report: 2025-12-31

LIBERTY STATE BANK is asn small FDIC-insured commercial bank headquartered in POWERS LAKE, ND, established in April 17, 1952, midnight. As of 2025-12-31, the bank reported total assets of $158M and total deposits of $142M. Profitability stands at 1.64% ROA and 18.16% ROE, with a net interest margin of 3.30%. The bank's CET1 capital ratio is 9.33%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17096. The institution operates 1 domestic branch.

Assets

$158M

Deposits

$142M

Loans

$59M

Equity

$15M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 18.16%
Net Interest Margin (NIM) 3.30%
Yield on Assets 5.23%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.27%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 9.33%
Tier 1 Capital 9.33%
Total Capital Ratio 9.80%
Leverage Ratio 13.27%
Loan-to-Deposit 41.73%

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