Liberty Savings Bank, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Liberty Savings Bank, F.S.B. is an FDIC-insured savings institution headquartered in Wilmington, OH, established in 1984 (FDIC certificate 32242), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.11B, down 0.9% from Q2 2025, the 35th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 17.83% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 32242
- Headquarters
- Wilmington, OH
- Established
- 1984
- Total assets, Q2 2026
- $1.11B
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 17.83%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 242272324
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Savings Bank, F.S.B. call report
- Holding company
- LIBERTY CAPITAL, INC.
- Asset rank in state
- 35th of 154 in Ohio
Liberty Savings Bank, F.S.B., based in Wilmington, Ohio, reported $1.1 billion in assets at June 30, 2026. It keeps 1.64 cents of net interest income on every dollar of earning assets, about half the median of 3.71 cents for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 3.24% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 1.08% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $22 million equal 21% of Tier 1 capital, down from 26% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.9% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Liberty Savings Bank, F.S.B. reported a CET1 capital ratio of 17.83%, a return on assets of 0.84%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 11.88%. The figures come from its call report filed with the FFIEC.
Liberty Savings Bank, F.S.B. ranks as the 35th largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $1.11B, loans fell 2.8% and deposits fell 3.0%. 1-4 family residential loans made up 89.7% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 5.5%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities across 2 states; its Sarasota 2 offices book 53% of its branch deposits. On its Q2 2026 call report, Liberty Savings Bank, F.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2251 Rombach Ave, Wilmington, OH 45177
- County
- Clinton
- Metro Area
- Wilmington, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 14, 1984
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $961.3M
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $837K
- Average total assets
- $1.12B
- Average total loans
- $787.9M
- Average interest-bearing deposits
- $903.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32242
- Fed RSSD
- 839572
- Website
- www.libertysavingsbank.com →
- Parent Holding Company
- LIBERTY CAPITAL, INC. (RSSD 1145001)
- Ultimate Parent
- JAMES R. POWELL REVOCABLE TRUST (RSSD 3828698)
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
Over the 12 quarters to Q2 2026, Liberty Savings Bank, F.S.B.'s total assets ran between $1.11B (Q4 2025) and $1.26B (Q3 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.11B total assets against $1.12B; $1.03B total liabilities against $1.04B.
$772.6M net loans and leases against $801.1M; $961.3M total deposits against $988.0M.
$268.9M securities against $258.6M; $43.3M cash and balances due against $36.7M.
$13.0M total interest income against $14.1M; $8.5M total interest expense against $9.7M.
$4.5M net interest income against $4.4M.
$2.3M total noninterest income against $383K; $4.3M total noninterest expense against $3.9M.
$155K provision for credit losses against $73K.
$2.3M net income against $764K.
0.84% return on assets against 0.27%; 1.64% net interest margin against 1.53%.
17.83% CET1 capital ratio against 17.62%; 9.61% tier 1 leverage ratio against 8.94%.
Inside the full Liberty Savings Bank, F.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Savings Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 483 of 3,640, for Texas Ratio; its furthest is 2,825 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.11% (Q1 2026) to 0.84% (Q2 2026) and its net interest margin ran from 1.23% (Q4 2024) to 1.64% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.83% | 0.84% | 1.42% | 11.88% | 1.64% |
| Q1 2026 | 17.39% | -0.11% | 1.37% | 13.44% | 1.52% |
| Q4 2025 | 17.67% | -0.07% | 1.30% | 12.68% | 1.64% |
| Q3 2025 | 17.10% | 0.08% | 1.31% | 12.79% | 1.54% |
| Q2 2025 | 17.62% | 0.27% | 1.19% | 12.33% | 1.53% |
| Q1 2025 | 16.82% | 0.26% | 1.13% | 12.65% | 1.47% |
| Q4 2024 | 16.72% | 0.15% | 1.24% | 14.79% | 1.23% |
| Q3 2024 | 16.28% | 0.13% | 1.26% | 14.60% | 1.24% |
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 |
|---|---|---|---|
| Sarasota Branch | Sarasota , FL | 34231 | $334.5M |
| Venice Branch | Venice , FL | 34293 | $240.4M |
| Tamiami Trail Branch | Sarasota , FL | 34238 | $171.1M |
| Bradenton Branch | Bradenton , FL | 34210 | $130.5M |
| Liberty Savings Bank, F.S.B. (main office) | Wilmington , OH | 45177 | $52.3M |
| Lakewood Ranch Branch | Lakewood Ranch , FL | 34240 | $32.4M |
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 |
|---|---|---|---|
| July 2, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 1996 | Structure Change | Acquired Colorado Savings Bank, F.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1991 | Structure Change | Acquired The South Side Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC)
- October 2, 2013, OCC: Civil Money Penalty (CMP): Liberty Savings Bank, FSB
- November 26, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Liberty Savings Bank, FSB
- October 19, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Liberty Savings Bank, FSB
- Period: Most recent institution action October 2, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 165 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $550K approved, $275K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Savings Bank, F.S.B.
What are Liberty Savings Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Liberty Savings Bank, F.S.B. reported total assets of $1.11 billion in its FFIEC call report.
Where is Liberty Savings Bank, F.S.B. headquartered?
It is headquartered in Wilmington, OH, United States.
When was Liberty Savings Bank, F.S.B. founded?
It was established in 1984, per the FDIC institution directory.
Is Liberty Savings Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #32242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Savings Bank, F.S.B.?
Liberty Savings Bank, F.S.B.'s primary federal regulator is the OCC.
What is Liberty Savings Bank, F.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.83% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Liberty Savings Bank, F.S.B. 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 Savings Bank, F.S.B.'s Texas Ratio?
Its Texas Ratio is 11.88% 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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