Liberty Trust & Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Liberty Trust & Savings Bank is an FDIC-insured commercial bank headquartered in Durant, IA, established in 1905 (FDIC certificate 10121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $186.2M, up 5.0% from Q2 2025, the 151st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.65% 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
- 10121
- Headquarters
- Durant, IA
- Established
- 1905
- Total assets, Q2 2026
- $186.2M
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 20.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 073914961
- Latest call report
- Q2 2026, FFIEC 051 · Liberty Trust & Savings Bank call report
- Holding company
- LIBERTY BANCORPORATION
- Asset rank in state
- 151st of 225 in Iowa
Problem loans are rising at Liberty Trust & Savings Bank. Based in Durant, Iowa, it had $186 million in assets at June 30, 2026, up 5.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.86% of loans from 0.00% a year earlier. It funds 20.65% of its assets with Tier 1 capital, about double the median of 10.99% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 12% of its capital, a small fraction of the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $753,000, 39% above the same quarter a year earlier. Over the same year, loans shrank 0.0% and deposits grew 3.7%.
As of June 30, 2026, Liberty Trust & Savings Bank reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 2.47%. The figures come from its call report filed with the FFIEC.
Liberty Trust & Savings Bank ranks as the 151st largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $186.2M, loans fell 3.1% and deposits rose 1.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.9% of total loans, followed by agricultural production loans at 21.7%. Its 3 offices in the FDIC Summary of Deposits are in Durant, IA, Tipton, IA and New Liberty, IA; its Durant office books 61% of its branch deposits. Judged on its Q2 2026 call report, Liberty Trust & Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 502 8th Ave, Durant, IA 52747
- County
- Cedar
- 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 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $149.5M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $188.3M
- Average total loans
- $108.2M
- Average interest-bearing deposits
- $116.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10121
- Fed RSSD
- 644646
- Website
- www.mylibertytrust.com →
- Parent Holding Company
- LIBERTY BANCORPORATION (RSSD 1204784)
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 Trust & Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Liberty Trust & Savings Bank's total assets ranged from $159.2M (Q3 2023) to $186.2M (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
$186.2M total assets against $177.3M; $150.5M total liabilities against $144.9M.
$105.3M net loans and leases against $105.4M; $149.5M total deposits against $144.1M.
$47.6M securities against $48.6M; $26.4M cash and balances due against $15.9M.
$2.1M total interest income against $2.0M; $534K total interest expense against $589K.
$1.5M net interest income against $1.4M.
$192K total noninterest income against $95K; $849K total noninterest expense against $828K.
No provision recorded in the last 12 quarters.
$753K net income against $542K.
1.60% return on assets against 1.18%; 3.55% net interest margin against 3.31%.
20.65% tier 1 leverage ratio against 20.27%.
Inside the full Liberty Trust & Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLiberty Trust & Savings Bank rankings
Its closest position to the top of a national ranking is 563 of 3,606, for efficiency ratio; its furthest is 3,060 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.93% (Q3 2024) to 1.60% (Q2 2026) and its net interest margin ran from 3.09% (Q3 2024) to 3.75% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.65% | 1.60% | 0.86% | 2.47% | 3.55% |
| Q1 2026 | 20.72% | 1.54% | 0.30% | 0.93% | 3.75% |
| Q4 2025 | 20.53% | 1.01% | 0.40% | 1.22% | 3.57% |
| Q3 2025 | 20.49% | 1.37% | 0.00% | 0.00% | 3.48% |
| Q2 2025 | 20.27% | 1.18% | 0.00% | 0.01% | 3.31% |
| Q1 2025 | 20.09% | 1.21% | 0.01% | 0.04% | 3.40% |
| Q4 2024 | 20.18% | 0.95% | 0.01% | 0.04% | 3.20% |
| Q3 2024 | 20.14% | 0.93% | 0.00% | 0.00% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Trust & Savings Bank (main office) | Durant , IA | 52747 | $91.7M |
| Tipton Branch | Tipton , IA | 52772 | $32.3M |
| New Liberty Branch | New Liberty , IA | 52765 | $25.5M |
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 |
|---|---|---|---|
| January 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2002 | Structure Change | Acquired Bennett State Bank 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.
- Enforcement actions
- 4 against the institution (OCC (former OTS)); 1 against individuals associated with it
- July 14, 2011, OCC (former OTS): Cease and Desist: Liberty Bank, FSB
- November 15, 1993, OCC (former OTS): Supervisory Agreement: Liberty Savings Bank, FSB
- October 30, 1992, OCC (former OTS): Civil Money Penalty: Liberty Savings Bank FSB
- October 12, 1992, OCC (former OTS): Supervisory Agreement: Liberty Savings Bank, FSB
- Period: Most recent institution action July 14, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IA, rank 167 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3 applications, 3 loans originated, $175K originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $215K approved, $215K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Trust & Savings Bank
What are Liberty Trust & Savings Bank's total assets?
As of the Q2 2026 filing, Liberty Trust & Savings Bank reported total assets of $186.2 million in its FFIEC call report.
Where is Liberty Trust & Savings Bank headquartered?
It is headquartered in Durant, IA, United States.
When was Liberty Trust & Savings Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Liberty Trust & Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Trust & Savings Bank?
Liberty Trust & Savings Bank's primary federal regulator is the FDIC.
How many branches does Liberty Trust & Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Trust & Savings Bank's Texas Ratio?
Its Texas Ratio is 2.47% 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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