Liberty Bank (Ironton, OH)
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank is an FDIC-insured savings and loan association headquartered in Ironton, OH, established in 1896 (FDIC certificate 28463), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $55.7M, down 5.5% from Q2 2025, the 147th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28463
- Headquarters
- Ironton, OH
- Established
- 1896
- Total assets, Q2 2026
- $55.7M
- Assets vs Q2 2025
- -5.5%
- Tier 1 leverage ratio, Q2 2026
- 17.96%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 242272269
- Holding company
- LIBERTY FEDERAL BANCORP INC.
- Asset rank in state
- 147th of 154 in Ohio
Liberty Bank, based in Ironton, Ohio, reported $56 million in assets at June 30, 2026, down 5.5% from a year earlier. It pays an average of 0.69% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. It also lost 7.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
Earnings jumped: net income for the quarter was $138,000, 194% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.77% of loans from 1.37%.
As of June 30, 2026, Liberty Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.77% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
Liberty Bank ranks as the 147th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $55.7M, loans fell 1.8% and deposits fell 2.1%. 1-4 family residential loans made up 83.6% of its total loans on June 30, 2026, its largest category; next came auto loans at 6.3%. The FDIC Summary of Deposits lists 2 offices for it, in Ironton, OH and Proctorville, OH; its Ironton office books 94% of its branch deposits. On its Q2 2026 call report, Liberty Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 314 Park Ave, Ironton, OH 45638
- County
- Lawrence
- Metro Area
- Huntington-Ashland, WV-KY-Oh
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1896
- Former names
- Liberty Federal Savings Bank (2001-2014)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $46.2M
- Allowance for credit losses
- $124K
- Net charge-offs (YTD)
- $0
- Average total assets
- $56.6M
- Average total loans
- $27.8M
- Average interest-bearing deposits
- $32.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28463
- Fed RSSD
- 534073
- Website
- www.libbk.com →
- Parent Holding Company
- LIBERTY FEDERAL BANCORP INC. (RSSD 4099347)
- Ultimate Parent
- LIBERTY FEDERAL BANCORP, MHC (RSSD 4099365)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Liberty Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Liberty Bank's total assets ran between $55.7M (Q2 2026) and $60.6M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$55.7M total assets against $59.0M; $46.3M total liabilities against $50.1M.
$27.5M net loans and leases against $28.8M; $46.2M total deposits against $50.1M.
$18.0M securities against $19.9M; $5.5M cash and balances due against $5.2M.
$577K total interest income against $619K; $80K total interest expense against $123K.
$497K net interest income against $496K.
$171K total noninterest income against $39K; $441K total noninterest expense against $472K.
$41K provision for credit losses against $0.
$138K net income against $47K.
0.98% return on assets against 0.31%; 3.93% net interest margin against 3.65%.
17.96% tier 1 leverage ratio against 16.16%.
Inside the full Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.21% (Q4 2024) to 0.98% (Q2 2026) and its net interest margin ran from 3.34% (Q4 2024) to 3.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.96% | 0.98% | 0.77% | 2.23% | 3.93% |
| Q1 2026 | 17.17% | 0.39% | 0.51% | 1.53% | 3.84% |
| Q4 2025 | 16.60% | 0.45% | 0.65% | 1.99% | 3.82% |
| Q3 2025 | 16.11% | 0.36% | 0.75% | 2.38% | 3.66% |
| Q2 2025 | 16.16% | 0.31% | 1.37% | 4.45% | 3.65% |
| Q1 2025 | 16.11% | 0.22% | 0.96% | 3.14% | 3.37% |
| Q4 2024 | 15.98% | 0.21% | 1.13% | 3.86% | 3.34% |
| Q3 2024 | 15.90% | 0.39% | 1.19% | 3.96% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Bank (main office) | Ironton , OH | 45638 | $43.4M |
| Proctorville Branch | Proctorville , OH | 45669 | $2.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 25, 2011, OCC: Formal Agreement: Liberty Bank, National Association
- Period: Most recent institution action January 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 171 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Liberty Bank
What are Liberty Bank's total assets?
As of the Q2 2026 filing, Liberty Bank reported total assets of $55.7 million in its FFIEC call report.
Where is Liberty Bank headquartered?
It is headquartered in Ironton, OH, United States.
When was Liberty Bank founded?
It was established in 1896, per the FDIC institution directory.
Is Liberty Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #28463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank?
Liberty Bank's primary federal regulator is the FDIC.
How many branches does Liberty Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank's Texas Ratio?
Its Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Liberty Bank previously called?
The charter now named Liberty Bank has also operated as Liberty Federal Savings Bank (2001-2014), per FDIC structure-change records.
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