Liberty Bank (Middletown, CT)
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank is an FDIC-insured savings bank headquartered in Middletown, CT, established in 1825 (FDIC certificate 17943), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.38B, up 10.7% from Q2 2025, the largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 13.66% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17943
- Headquarters
- Middletown, CT
- Established
- 1825
- Total assets, Q2 2026
- $9.38B
- Assets vs Q2 2025
- +10.7%
- CET1 ratio, Q2 2026
- 13.66%
- Domestic offices
- 51 FDIC institution directory, current count
- Routing number
- 211170282
- Holding company
- LIBERTY FINANCIAL CORPORATION
- Asset rank in state
- 1st of 27 in Connecticut
Liberty Bank carries far more capital than most banks of its size. Based in Middletown, Connecticut, it had $9.4 billion in assets at June 30, 2026, up 10.7% from a year earlier. It funds 13.37% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also grew its loan book 13.4% over the year, about double the median of 5.9% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $48 million on paper in the quarter, out of $67 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Loans are outrunning deposits: over the year loans rose 13.4% and deposits rose 5.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Liberty Bank reported a CET1 capital ratio of 13.66%, a return on assets of 2.31%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 1.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Liberty Bank is the largest of the 27 banks headquartered in Connecticut. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $9.38B, loans rose 4.4% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.7% of total loans, followed by multifamily loans at 20.3%. Its 51 offices in the FDIC Summary of Deposits are in 46 cities across 2 states; its Middletown 3 offices book 17% of its branch deposits. Judged on its Q2 2026 call report, Liberty Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 245 Long Hill Rd, Middletown, CT 06457
- County
- Lower Connecticut River Valley
- Metro Area
- Hartford-West Hartford-East Hartford, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 15, 1825
- Former names
- The Liberty Bank for Savings (1978-1991); The Middletown Savings Bank (1972-1975)
- Domestic offices
- 51 FDIC institution directory, current count
- Employees (FTE)
- 923
- Domestic deposits
- $7.12B
- Allowance for credit losses
- $86.5M
- Net charge-offs (YTD)
- $6.3M
- Average total assets
- $9.23B
- Average total loans
- $7.17B
- Average interest-bearing deposits
- $5.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1959
- FDIC Cert
- 17943
- Fed RSSD
- 587800
- Website
- www.liberty-bank.com →
- Parent Holding Company
- LIBERTY FINANCIAL CORPORATION (RSSD 6005472)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Liberty Bank's total assets ran between $7.44B (Q3 2023) and $9.38B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.38B total assets against $8.47B; $8.15B total liabilities against $7.35B.
$7.25B net loans and leases against $6.40B; $7.12B total deposits against $6.78B.
$1.42B securities against $1.39B; $208.8M cash and balances due against $214.6M.
$113.7M total interest income against $100.6M; $38.4M total interest expense against $34.0M.
$75.3M net interest income against $66.6M.
$16.3M total noninterest income against $13.5M; $68.6M total noninterest expense against $57.5M.
$4.1M provision for credit losses against $5.3M.
$53.3M net income against $37.2M.
2.31% return on assets against 1.78%; 3.43% net interest margin against 3.42%.
13.66% CET1 capital ratio against 13.88%; 13.37% tier 1 leverage ratio against 13.49%.
Inside the full Liberty Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Liberty Bank rankings
Its closest position to the top of a national ranking is 167 of 4,196, for total assets; its furthest is 694 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.16% (Q1 2025) to 2.31% (Q2 2026) and its net interest margin ran from 3.28% (Q4 2024) to 3.59% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 2.31% | 0.32% | 1.86% | 3.43% |
| Q1 2026 | 13.69% | 0.26% | 0.38% | 2.21% | 3.37% |
| Q4 2025 | 13.62% | 0.70% | 0.40% | 2.32% | 3.40% |
| Q3 2025 | 13.93% | 1.63% | 0.43% | 2.41% | 3.59% |
| Q2 2025 | 13.88% | 1.78% | 0.44% | 2.49% | 3.42% |
| Q1 2025 | 14.05% | -0.16% | 0.55% | 3.06% | 3.31% |
| Q4 2024 | 14.21% | 0.21% | 0.58% | 3.78% | 3.28% |
| Q3 2024 | 13.81% | 1.21% | 0.70% | 3.73% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 51 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) | Middletown , CT | 06457 | $977.6M |
| Deep River Branch | Deep River , CT | 06417 | $258.0M |
| Old Saybrook Branch | Old Saybrook , CT | 06475 | $249.1M |
| West Hartford Branch | West Hartford , CT | 06107 | $225.7M |
| Granby Branch | Granby , CT | 06035 | $211.0M |
| Waterford Branch | Waterford , CT | 06385 | $195.4M |
| College Street New Haven Branch | New Haven , CT | 06510 | $194.2M |
| Simsbury Bank and Trust Branch | Simsbury , CT | 06070 | $188.9M |
| Portland Branch | Portland , CT | 06480 | $183.7M |
| Naugatuck Church Street Branch | Naugatuck , CT | 06770 | $182.2M |
| Colchester Branch | Colchester , CT | 06415 | $169.5M |
| Middletown South Main Branch | Middletown , CT | 06457 | $168.8M |
| Cromwell Cobblestone Branch | Cromwell , CT | 06416 | $168.6M |
| Wallingford Branch | Wallingford , CT | 06492 | $165.8M |
| Marlborough Branch | Marlborough , CT | 06447 | $153.4M |
| North Haven Branch | North Haven , CT | 06473 | $150.6M |
| East Lyme Branch | East Lyme , CT | 06333 | $146.0M |
| Mansfield Branch | Mansfield , CT | 06268 | $142.2M |
| Cromwell Main Branch | Cromwell , CT | 06416 | $141.2M |
| Southington Branch | Southington , CT | 06489 | $132.9M |
| Cheshire Branch | Cheshire , CT | 06410 | $131.7M |
| Durham Branch | Durham , CT | 06422 | $128.3M |
| East Hampton Branch | East Hampton , CT | 06424 | $125.9M |
| Glastonbury Branch | Glastonbury , CT | 06033 | $125.1M |
| Clinton Branch | Clinton , CT | 06413 | $120.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 12, 2019 | Structure Change | Acquired The Simsbury Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2016 | Structure Change | Acquired Naugatuck Valley Savings and Loan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Structure Change | Acquired The Bank of Southern Connecticut Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2010 | Structure Change | Acquired Connecticut River Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2001 | Structure Change | Acquired Hometown Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Structure Change | Acquired First New London Savings and Loan Association Incorporated Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1982 | Structure Change | Acquired Willimantic Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.9% of deposits in CT, rank 7 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 46 loans, $7.5M approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $9.38 billion in its FFIEC call report.
Where is Liberty Bank headquartered?
It is headquartered in Middletown, CT, United States.
When was Liberty Bank founded?
It was established in 1825, per the FDIC institution directory.
Is Liberty Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #17943). 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.
What is Liberty Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% 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 operate?
It operates 51 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 1.86% 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 The Liberty Bank for Savings (1978-1991), The Middletown Savings Bank (1972-1975), per FDIC structure-change records.
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