BankLiberty

Headquarters

16 West Franklin Street
Liberty, MO 64068
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

BankLiberty is an FDIC insured institution located in Liberty, MO. It was founded in 1955 and has approximately $0.58 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 30817
Date Established 1955
Assets $ 539.49 million
Loans $ 387.15 million
Deposits $ 466.65 million
Capital $ 109.38 million
 

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 - October 25, 2020

Your Current Location: Washington, WA 98109


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to BankLiberty
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Branches

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

Your Location:
Seattle,Washington


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 BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
BankLiberty U.S. Bank Average
3.04% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, BankLiberty had $115,000 in non-current loans and $3,215,000 in owned real estate. To cover these potential losses it had $109,384,000 in equity and $257,000 in loans loss reserves. That gives it a Texas Ratio of 3.04%.

Return on Equity
BankLiberty U.S. Bank Average
12.95% 7.80%

BankLiberty has a Return on Equity of 12.95% versus the BestCashCow average of 7.80%. 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.

Capitalization
BankLiberty U.S. Bank Average
20.28% 12.68%

BankLiberty has a Capitalization of 20.28% versus the BestCashCow average of 12.68. 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 September 30, 2019, BankLiberty had assets of $581,543,000, loans of $387,146,000, and deposits of $466,653,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 90.79 million
Interest-bearing balances $ 78.22 million
Total securities $ 10.22 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 387.15 million
Loan loss allowance $ 0.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 3.22 million
Goodwill and other intangibles $ 53.20 million
All other assets $ 24.72 million
     Total Assets $ 472.16 million
LIABILITIES
Total deposits $ 466.65 million
      Interest-bearing deposits $ 337.65 million
      Deposits held in domestic offices $ 466.65 million
      % insured (estimated) 83.57%
Federal funds purchased and repurchase agreements $ 3.70 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.81 million
      Total Liabilities $ 472.16 million
      Shareholders’ Equity $ 67.33 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 17.72 million
Total Interest Expense $ 1.10 million
Net interest income $ 16.62 million
Provision for loan and lease losses $ 0.22 million
Total non interest income $ 3.04 million
Total non interest expense $ 11.58 million
Pre-tax Net Operating Income $ 7.86 million

Bank Loan Profile?

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

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.74
Multifamily
Mortgages
5.27
Credit Card Loans 0.00
Consumer Auto Loans 0.13
Small Business Loans 0.00
Construction and Development Loans 7.92
Commercial Real Estate 52.19
Commercial and Industrial Loans 15.22
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?

Yes

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?

Products

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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