Liberty Bank Minnesota
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank Minnesota is an FDIC-insured commercial bank headquartered in Saint Cloud, MN, established in 1987 (FDIC certificate 26891), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $290.2M, up 5.6% from Q2 2025, the 94th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 25.85% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26891
- Headquarters
- Saint Cloud, MN
- Established
- 1987
- Total assets, Q2 2026
- $290.2M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 25.85%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 291971391
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank Minnesota call report
- Holding company
- LIBERTY FINANCIAL SERVICES OF ST. CLOUD, INC.
- Asset rank in state
- 94th of 221 in Minnesota
Liberty Bank Minnesota, based in Saint Cloud, Minnesota, reported $290 million in assets at June 30, 2026, up 5.6% from a year earlier. It pays an average of 0.73% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 4.0% and deposits rose 5.3%. Unrealized losses on its securities total $12 million, equal to 31% of Tier 1 capital, against 36% a year earlier. Its margin is thin by comparison: it keeps 3.08 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Liberty Bank Minnesota reported a CET1 capital ratio of 25.85%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Liberty Bank Minnesota is the 94th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $290.2M, loans rose 1.8% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 93.0% of total loans, followed by construction and land development loans at 3.5%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in MN; its Saint Cloud 2 offices book 62% of its branch deposits. Judged on its Q2 2026 call report, Liberty Bank Minnesota meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2842 2nd St S, Saint Cloud, MN 56301
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1987
- Former names
- Liberty Savings Bank FSB (1995-2016); Liberty Savings, Inc. dba Liberty Savings (1988-1995)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $262.9M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $12K
- Average total assets
- $302.8M
- Average total loans
- $136.6M
- Average interest-bearing deposits
- $210.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1987
- FDIC Cert
- 26891
- Fed RSSD
- 1387203
- Website
- www.libertybankmn.com →
- Parent Holding Company
- LIBERTY FINANCIAL SERVICES OF ST. CLOUD, INC. (RSSD 3800658)
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 Minnesota's total assets ranged from $265.6M (Q4 2024) to $292.0M (Q1 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
$290.2M total assets against $274.9M; $263.4M total liabilities against $250.5M.
$135.9M net loans and leases against $141.6M; $262.9M total deposits against $249.7M.
$89.0M securities against $90.6M; $45.4M cash and balances due against $21.7M.
$2.6M total interest income against $2.4M; $482K total interest expense against $421K.
$2.1M net interest income against $2.0M.
$932K total noninterest income against $814K; $2.2M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$815K net income against $727K.
1.08% return on assets against 1.01%; 3.08% net interest margin against 3.10%.
25.85% CET1 capital ratio against 24.95%; 12.90% tier 1 leverage ratio against 13.24%.
Inside the full Liberty Bank Minnesota terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Bank Minnesota rankings
Its closest position to the top of a national ranking is 137 of 2,134, for CET1 ratio; its furthest is 3,479 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.79% (Q1 2025) to 1.27% (Q3 2025) and its net interest margin ran from 2.86% (Q3 2024) to 3.13% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.85% | 1.08% | 0.00% | 0.00% | 3.08% |
| Q1 2026 | 25.79% | 0.91% | 0.00% | 0.00% | 3.00% |
| Q4 2025 | 25.92% | 1.04% | 0.00% | 0.00% | 3.13% |
| Q3 2025 | 25.62% | 1.27% | 0.00% | 0.00% | 3.11% |
| Q2 2025 | 24.95% | 1.01% | 0.00% | 0.00% | 3.10% |
| Q1 2025 | 24.78% | 0.79% | 0.00% | 0.00% | 3.03% |
| Q4 2024 | 25.09% | 1.01% | 0.00% | 0.00% | 2.98% |
| Q3 2024 | 24.76% | 0.87% | 0.00% | 0.00% | 2.86% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Minnesota (main office) | Saint Cloud , MN | 56301 | $121.6M |
| Westwood Branch | Saint Cloud , MN | 56303 | $41.0M |
| Monticello Branch | Monticello , MN | 55362 | $33.3M |
| Waite Park Branch | Waite Park , MN | 56387 | $31.9M |
| Sartell Branch | Sartell , MN | 56377 | $27.5M |
| Big Lake Office Branch | Big Lake , MN | 55309 | $7.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 117 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 336 applications, 292 loans originated, $73.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, 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 Minnesota
What are Liberty Bank Minnesota's total assets?
As of the Q2 2026 filing, Liberty Bank Minnesota reported total assets of $290.2 million in its FFIEC call report.
Where is Liberty Bank Minnesota headquartered?
It is headquartered in Saint Cloud, MN, United States.
When was Liberty Bank Minnesota founded?
It was established in 1987, per the FDIC institution directory.
Is Liberty Bank Minnesota FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank Minnesota?
Liberty Bank Minnesota's primary federal regulator is the Federal Reserve.
What is Liberty Bank Minnesota's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.85% 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 Minnesota operate?
It operates 6 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 Minnesota'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 Minnesota previously called?
The charter now named Liberty Bank Minnesota has also operated as Liberty Savings Bank FSB (1995-2016), Liberty Savings, Inc. dba Liberty Savings (1988-1995), per FDIC structure-change records.
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