Liberty Bank

Headquarters

4625 South National Avenue
Springfield, MO 65810
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Liberty Bank is an FDIC insured institution located in Springfield, MO. It was founded in 1995 and has approximately $1.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34087
Date Established 1995
Assets $ 1,141.52 million
Loans $ 789.76 million
Deposits $ 875.79 million
Capital $ 210.47 million
 

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 - September 24, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

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:
Fairfield,Connecticut


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
8.46% 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, Liberty Bank had $17,032,000 in non-current loans and $792,000 in owned real estate. To cover these potential losses it had $210,474,000 in equity and $264,000 in loans loss reserves. That gives it a Texas Ratio of 8.46%.

Return on Equity
Liberty Bank U.S. Bank Average
3.45% 7.80%

Liberty Bank has a Return on Equity of 3.45% 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
Liberty Bank U.S. Bank Average
18.44% 12.68%

Liberty Bank has a Capitalization of 18.44% 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.

Liberty Bank Balance Sheet Analysis

As of March 31, 2015, Liberty Bank had assets of $1,141,523,000, loans of $789,759,000, and deposits of $875,790,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 789.76 million
Loan loss allowance $ 0.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.79 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 875.79 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,141.52 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Missouri, Liberty Bank has a significantly higher percent of Small Business Loans 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 30.52
Multifamily
Mortgages
4.82
Credit Card Loans 0.00
Consumer Auto Loans 1.35
Small Business Loans 19.45
Construction and Development Loans 5.05
Commercial Real Estate 30.75
Commercial and Industrial Loans 16.33
Farm Loans 0.99

Frequently Asked Questions About Liberty Bank

Branches and Savings

Is Liberty Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34087.

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?

Yes

Where are Liberty Bank locations?

See branch locations nearby.

Is Liberty Bank open on Saturdays?

Is Liberty Bank open on Sundays?

What time does Liberty Bank open?

What time does Liberty Bank close?

Are Liberty Bank ATMs Open 24/7?

Do Liberty Bank ATMs accept cash deposits?

Can Liberty Bank customers use other ATMs?

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?

Products

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?

Customer Reviews for Liberty Bank

There are currently no comments for Liberty Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →