16 West Franklin Street
Liberty, MO 64068

Notable Rates APY Vs.Others
Savings 0.10% 2.30% →
1-Year CD 0.40% 2.25% →
2-Year CD 0.60% 2.50% →
5-Year CD 1.50% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

BankLiberty is an FDIC insured institution located in Liberty, MO. It was founded in 1955 and has approximately $0.54 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 30817
Date Established 1955
Assets $0.54 billion
Loans $0.41 billion
Deposits $0.47 billion
Capital $0.07 billion

For a more detailed analysis of BankLiberty's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.10% $25,000 - Learn MoreShow Less
3 Mo CD
0.20% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.60% $500 - Learn MoreShow Less
30 Mo CD
0.65% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
1.25% $500 - Learn MoreShow Less
60 Mo CD
1.50% $500 - Learn MoreShow Less

Fixed IRA
0.40% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BankLiberty

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.528% 3.500% 0.38 $868 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
First Internet Bank
NMLS ID: 424182
3.537% 3.500% 0.50 $1,142 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to BankLiberty
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BankLiberty branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BankLiberty Locations

Financial Details

BankLiberty Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BankLiberty. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BankLiberty U.S. Bank Average
6.3% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, BankLiberty had $110,000 in non-current loans and $4,457,000 in owned real estate. To cover these potential losses it had $67,359,000 in equity and $5,143,000 in loans loss reserves. That gives it a Texas Ratio of 6.3%.

Return on Equity
BankLiberty U.S. Bank Average
12.95% 9.50%

BankLiberty has a Return on Equity of 12.95% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

BankLiberty U.S. Bank Average
12.49% 12.76%

BankLiberty has a Capitalization of 12.49% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

BankLiberty Balance Sheet Analysis

As of June 30, 2019, BankLiberty had assets of $539,487,000, loans of $412,719,000, and deposits of $466,478,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.05 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.41 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.03 billion
     Total Assets $0.47 billion
Total deposits $0.47 billion
      Interest-bearing deposits $0.34 billion
      Deposits held in domestic offices $0.47 billion
      % insured (estimated) 84.33%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.47 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in BankLiberty’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, BankLiberty has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.88
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 13.87
Construction and Development Loans 8.49
Commercial Real Estate 52.79
Commercial and Industrial Loans 16.16
Farm Loans 0.05

Frequently Asked Questions About Bankliberty

Branches and Savings

Is Bankliberty FDIC insured?

Yes. It is covered under FDIC Certificate #30817.

Why does Bankliberty pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bankliberty CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bankliberty a commercial bank?


Where are Bankliberty locations?

See branch locations nearby.

Is Bankliberty open on Saturdays?

Is Bankliberty open on Sundays?

What time does Bankliberty open?

What time does Bankliberty close?

Are Bankliberty ATMs Open 24/7?

Do Bankliberty ATMs accept cash deposits?

Can Bankliberty customers use other ATMs?

Do Bankliberty branches have notaries?

Will Bankliberty notarize my document?

What address for Bankliberty should I put for incoming ACH transfers?

Will the Bankliberty branch print checks?

Do Bankliberty checks expire?

Does Bankliberty require US citizenship to open account?

Can Bankliberty close my account?

Does Bankliberty Report to credit bureaus?

Does Bankliberty Use Equifax?

What is Bankliberty's ACH Routing Number?

What is Bankliberty's SWIFT code?


Does Bankliberty offer mortgages?

Compare mortgage rates here.

Does Bankliberty offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bankliberty offer personal loans?

Compare personal loan rates here.

Does Bankliberty offer student loans?

Will Bankliberty cash a check?

Will Bankliberty redeem a savings bond?

Does Bankliberty cash savings bonds?

Will Bankliberty cash money orders?

Can Bankliberty issue a money order?

Does Bankliberty do currency exchange?

Background on The Bank

Who owns Bankliberty?

How long has Bankliberty been around?

Can Bankliberty transfer to other banks?

Does Bankliberty have quick pay?

Does Bankliberty accept rolled coins?

Will Bankliberty accept loose change?

Where is Bankliberty headquarters?

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