Liberty State Bank
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Data as of · sourced from FFIEC call reports. How we update
Liberty State Bank is an FDIC-insured commercial bank headquartered in Powers Lake, ND, established in 1952 (FDIC certificate 17096), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $159.0M, up 12.5% from Q2 2025, the 38th largest of 60 banks headquartered in North Dakota. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.66% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17096
- Headquarters
- Powers Lake, ND
- Established
- 1952
- Total assets, Q2 2026
- $159.0M
- Assets vs Q2 2025
- +12.5%
- Tier 1 leverage ratio, Q2 2026
- 13.66%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091310974
- Latest call report
- Q2 2026, FFIEC 051 · Liberty State Bank call report
- Holding company
- LIBERTY BANCORPORATION, INC.
- Asset rank in state
- 38th of 60 in North Dakota
Liberty State Bank runs leaner than most banks of its size. It reported $159 million in assets at June 30, 2026, up 12.5% from a year earlier. It spends about 32 cents to bring in each dollar of revenue, about half the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.7 million equal 29% of Tier 1 capital, down from 45% a year earlier. Net income for the quarter rose 18% from a year earlier, to $767,000.
As of June 30, 2026, Liberty State Bank reported a return on assets of 1.84%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
Liberty State Bank ranks as the 38th largest of the 60 banks based in North Dakota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.9% to $159.0M, loans rose 1.4% and deposits fell 4.0%. Agricultural production loans made up 37.6% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.3%. Its one office in the FDIC Summary of Deposits is in Powers Lake, ND. By the capital ratios in its Q2 2026 call report, Liberty State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 Main St, Powers Lake, ND 58773
- County
- Burke
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 17, 1952
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $142.2M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $167.1M
- Average total loans
- $55.6M
- Average interest-bearing deposits
- $117.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 17, 1952
- FDIC Cert
- 17096
- Fed RSSD
- 883351
- Parent Holding Company
- LIBERTY BANCORPORATION, INC. (RSSD 1126569)
Profitability
Q2 annualizedBalance 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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Liberty State Bank's total assets moved between a low of $120.9M (Q3 2023) and a high of $163.7M (Q1 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
$159.0M total assets against $141.4M; $142.9M total liabilities against $130.2M.
$57.9M net loans and leases against $53.1M; $142.2M total deposits against $127.4M.
$90.0M securities against $79.8M; $8.5M cash and balances due against $5.7M.
$1.9M total interest income against $1.7M; $664K total interest expense against $642K.
$1.2M net interest income against $1.1M.
$28K total noninterest income against $32K; $417K total noninterest expense against $425K.
$49K provision for credit losses against $28K.
$767K net income against $651K.
1.84% return on assets against 1.70%; 2.97% net interest margin against 3.11%.
13.66% tier 1 leverage ratio against 13.45%.
Inside the full Liberty State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty State Bank rankings
Its closest position to the top of a national ranking is 56 of 3,606, for efficiency ratio; its furthest is 3,091 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.49% (Q3 2024) to 1.84% (Q2 2026) and its net interest margin ran from 2.90% (Q3 2024) to 3.22% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 1.84% | 0.09% | 0.30% | 2.97% |
| Q1 2026 | 13.21% | 1.78% | 0.20% | 0.73% | 3.07% |
| Q4 2025 | 13.27% | 1.56% | 0.02% | 0.08% | 3.22% |
| Q3 2025 | 13.47% | 1.58% | 0.00% | 0.00% | 3.17% |
| Q2 2025 | 13.45% | 1.70% | 0.19% | 0.87% | 3.11% |
| Q1 2025 | 13.15% | 1.65% | 0.00% | 0.00% | 2.99% |
| Q4 2024 | 13.38% | 1.81% | 0.00% | 0.00% | 3.05% |
| Q3 2024 | 13.33% | 1.49% | 0.00% | 0.00% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Powers Lake , ND | 58773 | $142.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in ND, rank 45 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1993 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank
What are Liberty State Bank's total assets?
As of the Q2 2026 filing, Liberty State Bank reported total assets of $159.0 million in its FFIEC call report.
Where is Liberty State Bank headquartered?
It is headquartered in Powers Lake, ND, United States.
When was Liberty State Bank founded?
It was established in 1952, per the FDIC institution directory.
Is Liberty State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17096). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty State Bank?
Liberty State Bank's primary federal regulator is the FDIC.
How many branches does Liberty State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty State Bank's Texas Ratio?
Its Texas Ratio is 0.30% 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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