Liberty Bank of Arkansas

Headquarters

2901 East Highland Drive
Jonesboro, AR 72401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
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 of Arkansas is an FDIC insured institution located in Jonesboro, AR. It was founded in 1920 and has approximately $2.85 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3878
Date Established 1920
Assets $ 2.85 billion
Loans $ 1,817.48 million
Deposits $ 2.14 billion
Capital $ 368.38 million
 

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

Deposit Rates - September 19, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 19, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Liberty Bank of Arkansas

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




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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Liberty Bank of Arkansas
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Branches

Liberty Bank of Arkansas 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 of Arkansas Locations


Financial Details

Liberty Bank of Arkansas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Liberty Bank of Arkansas. 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 of Arkansas U.S. Bank Average
14.74% 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 of Arkansas had $23,785,000 in non-current loans and $34,722,000 in owned real estate. To cover these potential losses it had $368,375,000 in equity and $28,463,000 in loans loss reserves. That gives it a Texas Ratio of 14.74%.

Return on Equity
Liberty Bank of Arkansas U.S. Bank Average
6.76% 7.80%

Liberty Bank of Arkansas has a Return on Equity of 6.76% 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 of Arkansas U.S. Bank Average
12.91% 12.68%

Liberty Bank of Arkansas has a Capitalization of 12.91% 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 of Arkansas Balance Sheet Analysis

As of September 30, 2013, Liberty Bank of Arkansas had assets of $2,852,849,000, loans of $1,817,476,000, and deposits of $2,140,831,000. 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 $ 1,817.48 million
Loan loss allowance $ 28.46 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 34.72 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 2.14 billion
      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 $ 2.85 billion

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 of Arkansas’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Arkansas, Liberty Bank of Arkansas has a significantly higher percent of Small Business Loans, 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 21.37
Multifamily
Mortgages
5.36
Credit Card Loans 0.00
Consumer Auto Loans 1.15
Small Business Loans 12.21
Construction and Development Loans 12.99
Commercial Real Estate 41.26
Commercial and Industrial Loans 13.06
Farm Loans 2.43

Frequently Asked Questions About Liberty Bank Of Arkansas

Branches and Savings

Is Liberty Bank Of Arkansas FDIC insured?

Yes. It is covered under FDIC Certificate #3878.

Why does Liberty Bank Of Arkansas 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 Of Arkansas CD rates not competitive?

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

Is Liberty Bank Of Arkansas a commercial bank?

Yes

Where are Liberty Bank Of Arkansas locations?

See branch locations nearby.

Is Liberty Bank Of Arkansas open on Saturdays?

Is Liberty Bank Of Arkansas open on Sundays?

What time does Liberty Bank Of Arkansas open?

What time does Liberty Bank Of Arkansas close?

Are Liberty Bank Of Arkansas ATMs Open 24/7?

Do Liberty Bank Of Arkansas ATMs accept cash deposits?

Can Liberty Bank Of Arkansas customers use other ATMs?

Do Liberty Bank Of Arkansas branches have notaries?

Will Liberty Bank Of Arkansas notarize my document?

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

Will the Liberty Bank Of Arkansas branch print checks?

Do Liberty Bank Of Arkansas checks expire?

Does Liberty Bank Of Arkansas require US citizenship to open account?

Can Liberty Bank Of Arkansas close my account?

Does Liberty Bank Of Arkansas Report to credit bureaus?

Does Liberty Bank Of Arkansas Use Equifax?

What is Liberty Bank Of Arkansas's ACH Routing Number?

What is Liberty Bank Of Arkansas's SWIFT code?

Products

Does Liberty Bank Of Arkansas offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Liberty Bank Of Arkansas offer personal loans?

Compare personal loan rates here.

Does Liberty Bank Of Arkansas offer student loans?

Will Liberty Bank Of Arkansas cash a check?

Will Liberty Bank Of Arkansas redeem a savings bond?

Does Liberty Bank Of Arkansas cash savings bonds?

Will Liberty Bank Of Arkansas cash money orders?

Can Liberty Bank Of Arkansas issue a money order?

Does Liberty Bank Of Arkansas do currency exchange?

Background on The Bank

Who owns Liberty Bank Of Arkansas?

How long has Liberty Bank Of Arkansas been around?

Can Liberty Bank Of Arkansas transfer to other banks?

Does Liberty Bank Of Arkansas have quick pay?

Does Liberty Bank Of Arkansas accept rolled coins?

Will Liberty Bank Of Arkansas accept loose change?

Where is Liberty Bank Of Arkansas headquarters?

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