Liberty Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank and Trust Company is an FDIC-insured commercial bank headquartered in New Orleans, LA, established in 1972 (FDIC certificate 20856), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.13B, up 1.8% from Q2 2025, the 17th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 15.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20856
- Headquarters
- New Orleans, LA
- Established
- 1972
- Total assets, Q2 2026
- $1.13B
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 15.43%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 065002108
- Latest call report
- Q2 2026, FFIEC 041 · Liberty Bank and Trust Company call report
- Holding company
- LIBERTY FINANCIAL SERVICES, INC.
- Asset rank in state
- 17th of 102 in Louisiana
Liberty Bank and Trust Company, based in New Orleans, Louisiana, reported $1.1 billion in assets at June 30, 2026, up 1.8% from a year earlier. It pays an average of 0.91% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
The non-owner-occupied commercial real estate book ($133 million) is worsening: 1.52% of it is past due or on nonaccrual, up from 0.43% a year earlier. Profitability lags: it returns 8.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Liberty Bank and Trust Company reported a CET1 capital ratio of 15.43%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 6.57%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Liberty Bank and Trust Company is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $1.13B, loans rose 1.6% and deposits rose 2.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.9%. The FDIC Summary of Deposits lists 15 offices for it, in 10 cities across 8 states; its New Orleans 5 offices book 58% of its branch deposits. Judged on its Q2 2026 call report, Liberty Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6600 Plaza Dr, New Orleans, LA 70127
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 16, 1972
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 197
- Domestic deposits
- $984.4M
- Allowance for credit losses
- $7.3M
- Net charge-offs (YTD)
- $727K
- Average total assets
- $1.12B
- Average total loans
- $626.0M
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 16, 1972
- FDIC Cert
- 20856
- Fed RSSD
- 283438
- Website
- www.libertybank.net →
- Parent Holding Company
- LIBERTY FINANCIAL SERVICES, INC. (RSSD 1130548)
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
From Q3 2023 to Q2 2026, Liberty Bank and Trust Company's total assets ranged from $1.03B (Q3 2023) to $1.13B (Q2 2026), 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
$1.13B total assets against $1.11B; $1.00B total liabilities against $987.5M.
$629.1M net loans and leases against $612.2M; $984.4M total deposits against $968.8M.
$346.9M securities against $329.1M; $68.1M cash and balances due against $95.3M.
$13.8M total interest income against $14.2M; $3.0M total interest expense against $3.2M.
$10.8M net interest income against $11.0M.
$2.4M total noninterest income against $1.8M; $9.4M total noninterest expense against $8.8M.
$450K provision for credit losses against $600K.
$2.7M net income against $2.8M.
0.95% return on assets against 1.00%; 3.97% net interest margin against 4.05%.
15.43% CET1 capital ratio against 15.98%; 11.35% tier 1 leverage ratio against 11.48%.
Inside the full Liberty Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Bank and Trust Company rankings
Its closest position to the top of a national ranking is 930 of 4,196, for total assets; its furthest is 2,813 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.34% (Q4 2025) to 1.36% (Q3 2024) and its net interest margin ran from 3.81% (Q1 2025) to 4.05% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.43% | 0.95% | 0.89% | 6.57% | 3.97% |
| Q1 2026 | 15.36% | 0.89% | 1.11% | 6.93% | 3.86% |
| Q4 2025 | 15.26% | 0.34% | 0.90% | 5.60% | 3.90% |
| Q3 2025 | 16.33% | 0.94% | 0.74% | 4.65% | 3.89% |
| Q2 2025 | 15.98% | 1.00% | 0.81% | 5.17% | 4.05% |
| Q1 2025 | 15.38% | 1.14% | 0.82% | 5.15% | 3.81% |
| Q4 2024 | 14.61% | 1.12% | 0.76% | 4.81% | 3.92% |
| Q3 2024 | 15.18% | 1.36% | 1.28% | 7.26% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| 2714 Canal Street Branch | New Orleans , LA | 70119 | $294.8M |
| New Orleans East Branch | New Orleans , LA | 70127 | $154.5M |
| 9108 Woodward Avenue Branch | Detroit , MI | 48202 | $105.0M |
| Gentilly Branch | New Orleans , LA | 70122 | $103.5M |
| Tri-State Memphis Branch | Memphis , TN | 38116 | $89.4M |
| Carmichael Road Branch | Montgomery , AL | 36106 | $61.1M |
| Roosevelt Road Branch | Forest Park , IL | 60130 | $45.9M |
| Tuskegee Branch | Tuskegee , AL | 36083 | $26.9M |
| Five Points Branch | Jackson , MS | 39213 | $24.5M |
| 7990 Scenic Highway Branch | Baton Rouge , LA | 70807 | $23.1M |
| State Avenue Branch | Kansas City , KS | 66102 | $21.5M |
| De Gaulle Branch | New Orleans , LA | 70114 | $13.5M |
| Troost Avenue Office Branch | Kansas City , MO | 64110 | $12.7M |
| Perkins Road Branch | Baton Rouge , LA | 70808 | $8.0M |
| Liberty Bank and Trust Company (main office) | New Orleans , LA | 70127 | $0 |
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 9, 2021 | Structure Change | Acquired Tri-State Bank of Memphis Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 2020 | Structure Change | Acquired Metro Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 16, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2015 | Structure Change | Acquired First Tuskegee Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2013 | Structure Change | Acquired Covenant Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 15, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| November 7, 2009 | Structure Change | Acquired Home Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 1, 2009 | Structure Change | Acquired United Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 26, 2008 | Structure Change | Acquired Douglass National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 25, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 15, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 2003 | Structure Change | Acquired First American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 9, 1994 | Structure Change | Acquired Carrollton Homestead Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 8, 1994 | Merger | Rtc Assisted Merger | FDIC |
| March 26, 1994 | Structure Change | Acquired Life Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 25, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 28, 1992 | Structure Change | Acquired Corpus Fcu Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 21 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in LA, rank 31 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $1.2M approved, $390K 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 and Trust Company
What are Liberty Bank and Trust Company's total assets?
As of the Q2 2026 filing, Liberty Bank and Trust Company reported total assets of $1.13 billion in its FFIEC call report.
Where is Liberty Bank and Trust Company headquartered?
It is headquartered in New Orleans, LA, United States.
When was Liberty Bank and Trust Company founded?
It was established in 1972, per the FDIC institution directory.
Is Liberty Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank and Trust Company?
Liberty Bank and Trust Company's primary federal regulator is the FDIC.
What is Liberty Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.43% 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 and Trust Company operate?
It operates 18 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 6.57% 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.
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