Liberty Bank

40956 Alabama Highway 75
Geraldine, AL 35974

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20429
Date Established 1971
Assets $0.14 billion
Loans $0.07 billion
Deposits $0.12 billion
Capital $0.02 billion

Liberty Bank is an FDIC insured institution located in Geraldine, AL. It was founded in 1971 and has approximately $0.14 billion in assets. Customers can open an account at one of its 6 branches.

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.

Bank Loan Profile?

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

Compared to other banks, Liberty Bank’s loan portfolio does not show any specific loan specialty.

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 29.70
Multifamily
Mortgages
0.78
Credit Card Loans 0.00
Consumer Auto Loans 4.11
Small Business Loans 7.89
Construction and Development Loans 8.14
Commercial Real Estate 27.38
Commercial and Industrial Loans 4.45
Farm Loans 4.04

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
6 Mo CD 10K
0.35% $2,500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
FIXIRA0K
0.40% $1,000 $2,499 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.35% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.20% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.763% 3.750% -0.13 $398 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Liberty Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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.

Your Location:
Ashburn,Virginia


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 BestCashCow.com 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
7.21% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Liberty Bank had $919,000 in non-current loans and $254,000 in owned real estate. To cover these potential losses it had $15,594,000 in equity and $684,000 in loans loss reserves. That gives it a Texas Ratio of 7.21%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Liberty Bank U.S. Bank Average
6.33% 8.58

Liberty Bank has a Return on Equity of 6.33% versus the BestCashCow average of 8.58. 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
Liberty Bank U.S. Bank Average
11.3% 12.11

Liberty Bank has a Capitalization of 11.3% versus the BestCashCow average of 12.11. 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, 2017, Liberty Bank had assets of $137,992,000, loans of $65,374,000, and deposits of $122,192,000. 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.

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