Liberty National Bank (Sioux City, IA)
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Data as of · sourced from FFIEC call reports. How we update
Liberty National Bank is an FDIC-insured commercial bank headquartered in Sioux City, IA, established in 2003 (FDIC certificate 57505), and it is supervised by the OCC. At Q2 2026 it reported total assets of $624.4M, up 4.5% from Q2 2025, the 44th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57505
- Headquarters
- Sioux City, IA
- Established
- 2003
- Total assets, Q2 2026
- $624.4M
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 073922869
- Latest call report
- Q2 2026, FFIEC 051 · Liberty National Bank call report
- Holding company
- LIBERTY FINANCIAL SERVICES, INC.
- Asset rank in state
- 44th of 225 in Iowa
Liberty National Bank, based in Sioux City, Iowa, reported $624 million in assets at June 30, 2026, up 4.5% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it holds common equity equal to 11.80% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Its $51 million commercial and industrial book is now fully current, after 0.74% of it was past due or on nonaccrual a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Liberty National Bank reported a CET1 capital ratio of 11.80%, a return on assets of 1.21%, 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 225 banks headquartered in Iowa, Liberty National Bank is the 44th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $624.4M, loans rose 0.9% and deposits rose 3.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 17.5% of total loans, followed by farmland and other real estate loans at 15.3%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities across 2 states; its Dakota Dunes office books 38% of its branch deposits. Judged on its Q2 2026 call report, Liberty National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4425 Singing Hills Blvd, Sioux City, IA 51106
- County
- Woodbury
- Metro Area
- Sioux City, Ia-Ne-SD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 17, 2003
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $457.3M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $616.4M
- Average total loans
- $465.6M
- Average interest-bearing deposits
- $337.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 17, 2003
- FDIC Cert
- 57505
- Fed RSSD
- 3140822
- Website
- www.libertynational.bank →
- Parent Holding Company
- LIBERTY FINANCIAL SERVICES, INC. (RSSD 3137701)
- Ultimate Parent
- 215 HOLDING CO. (RSSD 1247576)
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
Liberty National Bank's total assets moved between a low of $550.1M (Q3 2023) and a high of $624.4M (Q2 2026) from Q3 2023 to 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
$624.4M total assets against $597.6M; $520.3M total liabilities against $496.1M.
$464.1M net loans and leases against $433.3M; $457.3M total deposits against $426.5M.
$54.5M securities against $59.4M; $24.2M cash and balances due against $19.8M.
$7.6M total interest income against $7.5M; $2.4M total interest expense against $2.5M.
$5.2M net interest income against $5.0M.
$1.0M total noninterest income against $936K; $3.7M total noninterest expense against $3.5M.
$70K provision for credit losses against $99K.
$1.9M net income against $1.8M.
1.21% return on assets against 1.19%; 3.90% net interest margin against 3.93%.
11.80% CET1 capital ratio against 11.35%; 10.31% tier 1 leverage ratio against 9.76%.
Inside the full Liberty National 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Liberty National Bank rankings
Its closest position to the top of a national ranking is 1,282 of 3,606, for efficiency ratio; its furthest is 3,396 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.29% (Q1 2026) and its net interest margin ran from 3.56% (Q3 2024) to 4.12% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.21% | 0.00% | 0.00% | 3.90% |
| Q1 2026 | 11.10% | 1.29% | 0.00% | 0.00% | 4.12% |
| Q4 2025 | 11.20% | 1.14% | 0.00% | 0.00% | 3.89% |
| Q3 2025 | 11.15% | 1.20% | 0.00% | 0.00% | 4.03% |
| Q2 2025 | 11.35% | 1.19% | 0.00% | 0.00% | 3.93% |
| Q1 2025 | 10.79% | 1.15% | 0.00% | 0.00% | 3.82% |
| Q4 2024 | 10.73% | 1.04% | 0.00% | 0.00% | 3.62% |
| Q3 2024 | 10.56% | 1.00% | 0.00% | 0.00% | 3.56% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Dakota Dunes Branch | Dakota Dunes , SD | 57049 | $174.0M |
| Sioux Falls Branch | Sioux Falls , SD | 57106 | $60.3M |
| Liberty National Bank (main office) | Sioux City , IA | 51106 | $51.8M |
| Sioux Falls - Downtown Branch | Sioux Falls , SD | 57104 | $44.9M |
| Elk Point Branch | Elk Point , SD | 57025 | $37.6M |
| Liberty National Bank Branch | Okoboji , IA | 51355 | $32.0M |
| North Sioux City Branch | North Sioux City , SD | 57049 | $30.7M |
| Johnston Branch | Johnston , IA | 50131 | $25.9M |
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 27, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2008 | Structure Change | Acquired Valley Bank (National 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 199 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 22 loans originated, $6.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K 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, 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 National Bank
What are Liberty National Bank's total assets?
As of the Q2 2026 filing, Liberty National Bank reported total assets of $624.4 million in its FFIEC call report.
Where is Liberty National Bank headquartered?
It is headquartered in Sioux City, IA, United States.
When was Liberty National Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Liberty National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57505). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty National Bank?
Liberty National Bank's primary federal regulator is the OCC.
What is Liberty National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Liberty National Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty National Bank'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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