Liberty National Bank
Liberty National Bank is a locally rooted FDIC-insured community bank based in Sioux City, IA. The Q1 2026 balance sheet stands at $605M in assets, including $465M in loans. Returns are notably above industry norms: 1.29% ROA, 7.66% ROE, and 4.12% NIM. Capital is comfortably above regulatory minimums — CET1 ratio of 11.10% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 10 branches make up the footprint.
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
- Fed District
- 11
- Established
- March 17, 2003
- Branches
- 10 domestic
- Employees (FTE)
- 57
- FDIC Cert
- 57505
- Fed RSSD
- 3140822
- Website
- www.libertynational.bank →
- Parent Holding Company
- LIBERTY FINANCIAL SERVICES, INC. (RSSD 3137701)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Liberty National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Liberty National Bank
What are Liberty National Bank's total assets?
As of the Q1 2026 filing, Liberty National Bank reported total assets of $605.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Liberty National Bank headquartered?
Liberty National Bank is headquartered in SIOUX CITY, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Liberty National Bank founded?
Liberty National Bank was established in 2003, per the FDIC institution directory.
Is Liberty National Bank FDIC-insured?
Yes. Liberty National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Liberty National Bank's CET1 capital ratio?
Liberty National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.10% in its most recent quarterly filing — above regulatory minimums.
How many branches does Liberty National Bank operate?
Liberty National Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Liberty National Bank's Texas Ratio?
Liberty National Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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