Liberty Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank, Inc. is an FDIC-insured commercial bank headquartered in Salt Lake City, UT, established in 1956 (FDIC certificate 26816), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $11.4M, down 14.2% from Q2 2025, the 44th largest of 44 banks headquartered in Utah.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26816
- Headquarters
- Salt Lake City, UT
- Established
- 1956
- Total assets, Q2 2026
- $11.4M
- Assets vs Q2 2025
- -14.2%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124002942
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank, Inc. call report
- Holding company
- CACHE VALLEY BANKING COMPANY
- Asset rank in state
- 44th of 44 in Utah
Liberty Bank, Inc., based in Salt Lake City, Utah, reported $11 million in assets at June 30, 2026, down 14.2% from a year earlier. It is losing 42.6% a year on shareholders' equity, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 8.6%). It also keeps 0.62 cents of net interest income on every dollar of earning assets, a small fraction of the median of 3.87 cents for banks its size.
It lost $443,000 in the quarter. Funding is the softer spot: it pays an average of 3.87% on its deposits and borrowings, 2.5 times the median of 1.53% for banks its size.
As of June 30, 2026, Liberty Bank, Inc. reported a CET1 capital ratio of 73.51%, a return on assets of -14.79% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 44 banks headquartered in Utah, Liberty Bank, Inc. is the smallest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 8.1% to $11.4M, deposits fell 6.0%. Its one office in the FDIC Summary of Deposits is in Salt Lake City, UT. By the capital ratios in its Q2 2026 call report, Liberty Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 79 S Main St, Salt Lake City, UT 84111
- County
- Salt Lake
- Metro Area
- Salt Lake City-Murray, UT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 5, 1956
- Former names
- Stitch Bank, Inc. (2026); Liberty Financial Corporation (1988-1994)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $7.2M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $12.0M
- Average total loans
- $0
- Average interest-bearing deposits
- $7.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 20, 1986
- FDIC Cert
- 26816
- Fed RSSD
- 593771
- SEC CIK
- 1890443 → filed by CACHE VALLEY BANKING COMPANY
- Website
- www.libertybankofutah.com →
- Parent Holding Company
- CACHE VALLEY BANKING COMPANY (RSSD 2324997)
Profitability
Q2 annualizedAsset Quality
Capital & 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, Inc.'s total assets ranged from $10.8M (Q3 2024) to $14.2M (Q1 2025), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$11.4M total assets against $13.3M; $7.5M total liabilities against $8.4M.
$0 net loans and leases against $0; $7.2M total deposits against $7.9M.
$416K securities against $458K; $9.1M cash and balances due against $10.3M.
$88K total interest income against $120K; $72K total interest expense against $89K.
$16K net interest income against $31K.
$5K total noninterest income against $3K; $488K total noninterest expense against $187K.
$0 provision for credit losses against $0.
-$443K net income against -$101K.
-14.79% return on assets against -2.88%; 0.62% net interest margin against 1.07%.
73.51% CET1 capital ratio; 27.81% tier 1 leverage ratio against 27.27%.
Inside the full Liberty Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -14.79% (Q2 2026) to 2.92% (Q3 2024) and its net interest margin ran from 0.42% (Q1 2025) to 4.09% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 73.51% | -14.79% | — | 0.00% | 0.62% |
| Q1 2026 | 102.22% | -8.50% | — | 0.00% | 0.50% |
| Q4 2025 | — | -4.81% | — | 0.00% | 0.49% |
| Q3 2025 | — | -2.64% | — | 0.00% | 1.28% |
| Q2 2025 | — | -2.88% | — | 0.00% | 1.07% |
| Q1 2025 | — | -5.94% | — | 0.00% | 0.42% |
| Q4 2024 | 69.05% | -3.97% | — | 0.00% | 1.58% |
| Q3 2024 | 69.76% | 2.92% | — | 0.00% | 4.09% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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, Inc. (main office) | Salt Lake City , UT | 84111 | $7.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- March 20, 2007, Federal Reserve: Cease and Desist Order: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- April 19, 2004, Federal Reserve: Written Agreement: Cache Valley Banking Company, Logan, UT and Cache Valley Bank, Logan, UT
- Period: Most recent institution action March 20, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in UT, rank 62 of 63 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $415K approved, $138K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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, Inc.
What are Liberty Bank, Inc.'s total assets?
As of the Q2 2026 filing, Liberty Bank, Inc. reported total assets of $11.4 million in its FFIEC call report.
Where is Liberty Bank, Inc. headquartered?
It is headquartered in Salt Lake City, UT, United States.
When was Liberty Bank, Inc. founded?
It was established in 1956, per the FDIC institution directory.
Is Liberty Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26816). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank, Inc.?
Liberty Bank, Inc.'s primary federal regulator is the FDIC.
What is Liberty Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 73.51% 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, Inc. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.00% 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, Inc. previously called?
The charter now named Liberty Bank, Inc. has also operated as Stitch Bank, Inc. (2026), Liberty Financial Corporation (1988-1994), per FDIC structure-change records.
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