Liberty Bank (Middletown, CT): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Liberty Bank is a community bank chartered in 1825, based in Middletown, CT. Total assets stand at $9.4B. Profitability is strong, 2.31% ROA, paired with 17.76% ROE and a 3.43% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 13.66% sits well above the 7% level required once the capital conservation buffer is included. Credit conditions bear watching: 1.71% NPL ratio with a 9.98% Texas Ratio (elevated but below the 100% concern level). Liberty operates a 51-branch network.
As of June 30, 2026, Liberty Bank reported a CET1 capital ratio of 13.66%, a return on assets of 2.31%, a nonperforming-loan ratio of 1.71%, a Texas ratio of 9.98%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 245 Long Hill Rd, Middletown, CT 06457
- County
- Lower Connecticut River Valley
- Metro Area
- Hartford-West Hartford-East Hartford, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 15, 1825
- Former names
- The Liberty Bank for Savings (1978-1991); The Middletown Savings Bank (1972-1975)
- Offices
- 51 domestic
- Employees (FTE)
- 923
- Domestic deposits
- $7.12B
- Allowance for credit losses
- $86.5M
- Net charge-offs (YTD)
- $6.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 2, 1959
- FDIC Cert
- 17943
- Fed RSSD
- 587800
- Website
- www.liberty-bank.com →
- Parent Holding Company
- LIBERTY FINANCIAL CORPORATION (RSSD 6005472)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Liberty Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Liberty 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Liberty Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Liberty Bank: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.66% | 2.31% | 1.71% | 9.98% | 3.43% |
| Q1 2026 | 13.69% | 0.26% | 1.83% | 10.72% | 3.37% |
| Q4 2025 | 13.62% | 0.70% | 1.85% | 10.79% | 3.40% |
| Q3 2025 | 13.93% | 1.63% | 1.59% | 8.95% | 3.59% |
| Q2 2025 | 13.88% | 1.78% | 1.63% | 9.31% | 3.42% |
| Q1 2025 | 14.05% | -0.16% | 1.31% | 7.41% | 3.31% |
| Q4 2024 | 14.21% | 0.21% | 0.81% | 5.09% | 3.28% |
| Q3 2024 | 13.81% | 1.21% | 0.93% | 5.04% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 51 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Liberty Bank (main office) | Middletown , CT | 06457 | $977.6M |
| Deep River Branch | Deep River , CT | 06417 | $258.0M |
| Old Saybrook Branch | Old Saybrook , CT | 06475 | $249.1M |
| West Hartford Branch | West Hartford , CT | 06107 | $225.7M |
| Granby Branch | Granby , CT | 06035 | $211.0M |
| Waterford Branch | Waterford , CT | 06385 | $195.4M |
| College Street New Haven Branch | New Haven , CT | 06510 | $194.2M |
| Simsbury Bank and Trust Branch | Simsbury , CT | 06070 | $188.9M |
| Portland Branch | Portland , CT | 06480 | $183.7M |
| Naugatuck Church Street Branch | Naugatuck , CT | 06770 | $182.2M |
| Colchester Branch | Colchester , CT | 06415 | $169.5M |
| Middletown South Main Branch | Middletown , CT | 06457 | $168.8M |
| Cromwell Cobblestone Branch | Cromwell , CT | 06416 | $168.6M |
| Wallingford Branch | Wallingford , CT | 06492 | $165.8M |
| Marlborough Branch | Marlborough , CT | 06447 | $153.4M |
| North Haven Branch | North Haven , CT | 06473 | $150.6M |
| East Lyme Branch | East Lyme , CT | 06333 | $146.0M |
| Mansfield Branch | Mansfield , CT | 06268 | $142.2M |
| Cromwell Main Branch | Cromwell , CT | 06416 | $141.2M |
| Southington Branch | Southington , CT | 06489 | $132.9M |
| Cheshire Branch | Cheshire , CT | 06410 | $131.7M |
| Durham Branch | Durham , CT | 06422 | $128.3M |
| East Hampton Branch | East Hampton , CT | 06424 | $125.9M |
| Glastonbury Branch | Glastonbury , CT | 06033 | $125.1M |
| Clinton Branch | Clinton , CT | 06413 | $120.0M |
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 12, 2019 | Structure Change | Acquired The Simsbury Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 2016 | Structure Change | Acquired Naugatuck Valley Savings and Loan Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 22, 2013 | Structure Change | Acquired The Bank of Southern Connecticut Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2010 | Structure Change | Acquired Connecticut River Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 3, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 30, 2001 | Structure Change | Acquired Hometown Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1997 | Structure Change | Acquired First New London Savings and Loan Association Incorporated Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 29, 1982 | Structure Change | Acquired Willimantic Savings and Loan 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 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Liberty Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.9% of deposits in CT, rank 7 of 49 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Liberty Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Liberty Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Liberty Bank
What are Liberty Bank's total assets?
As of the Q2 2026 filing, Liberty Bank reported total assets of $9.38 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Liberty Bank headquartered?
Liberty Bank is headquartered in Middletown, CT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Liberty Bank founded?
Liberty Bank was established in 1825, per the FDIC institution directory.
Is Liberty Bank FDIC-insured?
Yes. Liberty Bank is an FDIC-insured commercial bank (FDIC Certificate #17943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Liberty Bank?
Liberty Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Liberty Bank's CET1 capital ratio?
Liberty Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.66% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Liberty Bank operate?
Liberty Bank operates 51 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Liberty Bank's Texas Ratio?
Liberty Bank's Texas Ratio is 9.98% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Liberty Bank previously called?
The charter now named Liberty Bank has also operated as The Liberty Bank for Savings (1978-1991), The Middletown Savings Bank (1972-1975), per FDIC structure-change records.
Go deeper on Liberty Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Liberty Bank, freeFree account