Liberty Savings Bank, F.S.B.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Liberty Savings Bank, F.S.B. is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Liberty Savings Bank, F.S.B reported $1.1B in total assets against $961M in deposits. Returns are in line with industry norms at 0.84% ROA and 11.14% ROE; net interest margin is 1.64%. Capital is comfortably above regulatory requirements, CET1 ratio of 17.83% sits well above the 7% level required once the capital conservation buffer is included. Credit conditions bear watching: 1.65% NPL ratio with a 14.81% Texas Ratio (elevated but below the 100% concern level). 6 branches make up the footprint.
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 1.65%, a Texas ratio of 14.81%, per financial data filed with the FFIEC.
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
- Offices
- 6 domestic
- Employees (FTE)
- 92
- Domestic deposits
- $961.3M
- Allowance for credit losses
- $7.8M
- Net charge-offs (YTD)
- $837K
- 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
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.
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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.
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 | 17.83% | 0.84% | 1.65% | 14.81% | 1.64% |
| Q1 2026 | 17.39% | -0.11% | 1.61% | 16.56% | 1.52% |
| Q4 2025 | 17.67% | -0.07% | 1.53% | 15.64% | 1.64% |
| Q3 2025 | 17.10% | 0.08% | 1.56% | 16.10% | 1.54% |
| Q2 2025 | 17.62% | 0.27% | 1.45% | 15.80% | 1.53% |
| Q1 2025 | 16.82% | 0.26% | 1.31% | 15.39% | 1.47% |
| Q4 2024 | 16.72% | 0.15% | 1.43% | 17.88% | 1.23% |
| Q3 2024 | 16.28% | 0.13% | 1.48% | 18.15% | 1.24% |
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 6 branches →
| 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
What the public regulatory sources show for Liberty Savings Bank, F.S.B., 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
- 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 185 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.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Liberty Savings Bank, F.S.B. headquartered?
Liberty Savings Bank, F.S.B. is headquartered in Wilmington, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Liberty Savings Bank, F.S.B. founded?
Liberty Savings Bank, F.S.B. was established in 1984, per the FDIC institution directory.
Is Liberty Savings Bank, F.S.B. FDIC-insured?
Yes. Liberty Savings Bank, F.S.B. is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Liberty Savings Bank, F.S.B.'s CET1 capital ratio?
Liberty Savings Bank, F.S.B. 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?
Liberty Savings Bank, F.S.B. 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?
Liberty Savings Bank, F.S.B.'s Texas Ratio is 14.81% 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.
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