Liberty Bank of New Jersey
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Data as of · sourced from FFIEC call reports. How we update
Liberty Bank of New Jersey is an FDIC-insured commercial bank headquartered in Verona, NJ, established in 2026 (FDIC certificate 59369), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $107.4M, the 48th largest of 49 banks headquartered in New Jersey.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59369
- Headquarters
- Verona, NJ
- Established
- 2026
- Total assets, Q2 2026
- $107.4M
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 021214914
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Bank of New Jersey call report
- Asset rank in state
- 48th of 49 in New Jersey
Liberty Bank of New Jersey spends more to run itself than most banks of its size. It reported $107 million in assets at June 30, 2026. It loses about $2.00 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 175 cents to bring in each dollar of revenue, about triple the median of 61 cents for banks its size.
It lost $467,000 in the quarter. Its margin is thin by comparison: it keeps 2.73 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Liberty Bank of New Jersey reported a return on assets of -2.00%, 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.
By total assets at Q2 2026, Liberty Bank of New Jersey is the 48th largest of the 49 banks headquartered in New Jersey. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 52.1% to $107.4M, deposits rose 172.7%. Multifamily loans made up 100.0% of its total loans on June 30, 2026, its largest category. The FDIC Summary of Deposits lists 2 offices for it, in Verona, NJ and Short Hills, NJ; its Verona office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Liberty Bank of New Jersey meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 725 Bloomfield Ave, Verona, NJ 07044
- County
- Essex
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 21, 2026
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $58.7M
- Allowance for credit losses
- $30K
- Net charge-offs (YTD)
- $0
- Average total assets
- $93.3M
- Average total loans
- $33K
- Average interest-bearing deposits
- $44.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 2026
- FDIC Cert
- 59369
- Fed RSSD
- 6095071
- Website
- www.libertybanknj.com →
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. As a community bank leverage ratio filer, Liberty Bank of New Jersey reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
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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 of New Jersey (main office) | Verona , NJ | 07044 | $58.7M |
| Short Hills Corporate Branch | Short Hills , NJ | 07078 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NJ, rank 88 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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 of New Jersey
What are Liberty Bank of New Jersey's total assets?
As of the Q2 2026 filing, Liberty Bank of New Jersey reported total assets of $107.4 million in its FFIEC call report.
Where is Liberty Bank of New Jersey headquartered?
It is headquartered in Verona, NJ, United States.
When was Liberty Bank of New Jersey founded?
It was established in 2026, per the FDIC institution directory.
Is Liberty Bank of New Jersey FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59369). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank of New Jersey?
Liberty Bank of New Jersey's primary federal regulator is the FDIC.
How many branches does Liberty Bank of New Jersey 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 of New Jersey'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.
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