Liberty Bank of Maryland

Headquarters

5612 The Alameda
Baltimore, MD 21239
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 of Maryland is an FDIC insured institution located in Baltimore, MD. It was founded in 1954 and has approximately $0.04 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 29945
Date Established 1954
Assets $ 38.68 million
Loans $ 27.64 million
Deposits $ 31.54 million
Capital $ 5.99 million
 

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

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

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

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 $2,118 $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 of Maryland
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Branches

Liberty Bank of Maryland 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 Maryland Locations


Financial Details

Liberty Bank of Maryland Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Liberty Bank of Maryland. 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 Maryland U.S. Bank Average
15.34% 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 Maryland had $954,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,994,000 in equity and $224,000 in loans loss reserves. That gives it a Texas Ratio of 15.34%.

Return on Equity
Liberty Bank of Maryland U.S. Bank Average
-2.25% 7.80%

Liberty Bank of Maryland has a Return on Equity of -2.25% 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 Maryland U.S. Bank Average
15.5% 12.68%

Liberty Bank of Maryland has a Capitalization of 15.5% 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 Maryland Balance Sheet Analysis

As of March 31, 2015, Liberty Bank of Maryland had assets of $35,653,000, loans of $27,643,000, and deposits of $31,542,000. 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 $ 27.64 million
Loan loss allowance $ 0.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 31.54 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 $ 38.68 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 of Maryland’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Maryland, Liberty Bank of Maryland has a significantly higher percent of 1-4 Family Residential Loans, 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 90.38
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.46
Construction and Development Loans 1.97
Commercial Real Estate 8.46
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Liberty Bank Of Maryland

Branches and Savings

Is Liberty Bank Of Maryland FDIC insured?

Yes. It is covered under FDIC Certificate #29945.

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

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

Is Liberty Bank Of Maryland a commercial bank?

Yes

Where are Liberty Bank Of Maryland locations?

See branch locations nearby.

Is Liberty Bank Of Maryland open on Saturdays?

Is Liberty Bank Of Maryland open on Sundays?

What time does Liberty Bank Of Maryland open?

What time does Liberty Bank Of Maryland close?

Are Liberty Bank Of Maryland ATMs Open 24/7?

Do Liberty Bank Of Maryland ATMs accept cash deposits?

Can Liberty Bank Of Maryland customers use other ATMs?

Do Liberty Bank Of Maryland branches have notaries?

Will Liberty Bank Of Maryland notarize my document?

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

Will the Liberty Bank Of Maryland branch print checks?

Do Liberty Bank Of Maryland checks expire?

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

Can Liberty Bank Of Maryland close my account?

Does Liberty Bank Of Maryland Report to credit bureaus?

Does Liberty Bank Of Maryland Use Equifax?

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

What is Liberty Bank Of Maryland's SWIFT code?

Products

Does Liberty Bank Of Maryland offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Liberty Bank Of Maryland offer personal loans?

Compare personal loan rates here.

Does Liberty Bank Of Maryland offer student loans?

Will Liberty Bank Of Maryland cash a check?

Will Liberty Bank Of Maryland redeem a savings bond?

Does Liberty Bank Of Maryland cash savings bonds?

Will Liberty Bank Of Maryland cash money orders?

Can Liberty Bank Of Maryland issue a money order?

Does Liberty Bank Of Maryland do currency exchange?

Background on The Bank

Who owns Liberty Bank Of Maryland?

How long has Liberty Bank Of Maryland been around?

Can Liberty Bank Of Maryland transfer to other banks?

Does Liberty Bank Of Maryland have quick pay?

Does Liberty Bank Of Maryland accept rolled coins?

Will Liberty Bank Of Maryland accept loose change?

Where is Liberty Bank Of Maryland headquarters?

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