Liberty Bank

315 Main Street
Middletown, CT 06457

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 0.75% 2.25% →
2-Year CD 0.90% 2.50% →
5-Year CD 1.25% 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

Liberty Bank is an FDIC insured institution located in Middletown, CT. It was founded in 1825 and has approximately $5.27 billion in assets. Customers can open an account at one of its 57 branches.

FDIC Insured Yes
FDIC Certificate # 17943
Date Established 1825
Assets $5.27 billion
Loans $3.84 billion
Deposits $3.98 billion
Capital $0.78 billion

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

Deposit Rates - November 21, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.35% $500 - Learn MoreShow Less
6 Mo CD
0.65% $500 - Learn MoreShow Less
12 Mo CD
0.75% $500 - Learn MoreShow Less
24 Mo CD
0.90% $500 - Learn MoreShow Less
30 Mo CD
1.25% $500 - Learn MoreShow Less
36 Mo CD
1.25% $500 - Learn MoreShow Less
48 Mo CD
1.25% $500 - Learn MoreShow Less
60 Mo CD
1.25% $500 - Learn MoreShow Less

Fixed IRA
0.75% $500 - Learn MoreShow Less

Loan Rates - November 21, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Liberty Bank

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 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#: 520-CL-25944
3.530% 3.500% 0.38 $930 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington 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

Note to Liberty Bank
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Liberty Bank 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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Liberty Bank Locations

Financial Details

Liberty Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Liberty Bank. 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
Liberty Bank U.S. Bank Average
1.31% 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, Liberty Bank had $10,667,000 in non-current loans and $47,000 in owned real estate. To cover these potential losses it had $780,134,000 in equity and $35,663,000 in loans loss reserves. That gives it a Texas Ratio of 1.31%.

Return on Equity
Liberty Bank U.S. Bank Average
10.72% 9.50%

Liberty Bank has a Return on Equity of 10.72% 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.

Liberty Bank U.S. Bank Average
14.8% 12.76%

Liberty Bank has a Capitalization of 14.8% 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.

Liberty Bank Balance Sheet Analysis

As of June 30, 2019, Liberty Bank had assets of $5,270,083,000, loans of $3,842,745,000, and deposits of $3,977,793,000. 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 $0.30 billion
Interest-bearing balances $0.25 billion
Total securities $0.89 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $3.84 billion
Loan loss allowance $0.04 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 $0.03 billion
All other assets $0.15 billion
     Total Assets $4.49 billion
Total deposits $3.98 billion
      Interest-bearing deposits $3.07 billion
      Deposits held in domestic offices $3.98 billion
      % insured (estimated) 87.49%
Federal funds purchased and repurchase agreements $0.03 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.42 billion
Subordinated debt $0.00 billion
All other liabilities $0.07 billion
      Total Liabilities $4.49 billion
      Shareholders’ Equity $0.78 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.10 billion
Total Interest Expense $0.02 billion
Net interest income $0.08 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.07 billion
Pre-tax Net Operating Income $0.03 billion

Bank Loan Profile?

The top three loan types in Liberty Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Connecticut, Liberty Bank has a significantly higher percent of Multifamily Mortgages 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 32.62
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 2.59
Construction and Development Loans 2.42
Commercial Real Estate 26.92
Commercial and Industrial Loans 13.83
Farm Loans 0.00

Frequently Asked Questions About Liberty Bank

Branches and Savings

Is Liberty Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17943.

Why does Liberty Bank pay such low interest on savings accounts?

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

Why are Liberty Bank CD rates not competitive?

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

Is Liberty Bank a commercial bank?


Where are Liberty Bank locations?

See branch locations nearby.

Is Liberty Bank open on Saturdays?

Is Liberty Bank open on Sundays?

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Are Liberty Bank ATMs Open 24/7?

Do Liberty Bank ATMs accept cash deposits?

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Do Liberty Bank branches have notaries?

Will Liberty Bank notarize my document?

What address for Liberty Bank should I put for incoming ACH transfers?

Will the Liberty Bank branch print checks?

Do Liberty Bank checks expire?

Does Liberty Bank require US citizenship to open account?

Can Liberty Bank close my account?

Does Liberty Bank Report to credit bureaus?

Does Liberty Bank Use Equifax?

What is Liberty Bank's ACH Routing Number?

What is Liberty Bank's SWIFT code?


Does Liberty Bank offer mortgages?

Compare mortgage rates here.

Does Liberty Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Liberty Bank offer personal loans?

Compare personal loan rates here.

Does Liberty Bank offer student loans?

Will Liberty Bank cash a check?

Will Liberty Bank redeem a savings bond?

Does Liberty Bank cash savings bonds?

Will Liberty Bank cash money orders?

Can Liberty Bank issue a money order?

Does Liberty Bank do currency exchange?

Background on The Bank

Who owns Liberty Bank?

How long has Liberty Bank been around?

Can Liberty Bank transfer to other banks?

Does Liberty Bank have quick pay?

Does Liberty Bank accept rolled coins?

Will Liberty Bank accept loose change?

Where is Liberty Bank headquarters?

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