Liberty Savings Bank, F.S.B.

Headquarters

21 South Centre Street
Pottsville, PA 17901
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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 Savings Bank, F.S.B. is an FDIC insured institution located in Pottsville, PA. It was founded in 1914 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 29247
Date Established 1914
Assets $ 23.47 million
Loans $ 17.59 million
Deposits $ 21.54 million
Capital $ 1.87 million
 

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

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Liberty Savings Bank, F.S.B.

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 2020

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Payment
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1Rate, Inc
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License#: MC-7051
2.444% 2.375% 0.88 $2,304 $972 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.664% 2.625% 0.50 $1,285 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
$0 Learn More
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Note to Liberty Savings Bank, F.S.B.
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Branches

Liberty Savings Bank, F.S.B. 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 Savings Bank, F.S.B. Locations


Financial Details

Liberty Savings Bank, F.S.B. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Liberty Savings Bank, F.S.B.. 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 Savings Bank, F.S.B. U.S. Bank Average
54.53% 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 Savings Bank, F.S.B. had $1,173,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,868,000 in equity and $283,000 in loans loss reserves. That gives it a Texas Ratio of 54.53%.

Return on Equity
Liberty Savings Bank, F.S.B. U.S. Bank Average
-47.74% 7.80%

Liberty Savings Bank, F.S.B. has a Return on Equity of -47.74% 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 Savings Bank, F.S.B. U.S. Bank Average
7.96% 12.68%

Liberty Savings Bank, F.S.B. has a Capitalization of 7.96% 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 Savings Bank, F.S.B. Balance Sheet Analysis

As of December 31, 2013, Liberty Savings Bank, F.S.B. had assets of $23,469,000, loans of $17,592,000, and deposits of $21,536,000. 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 $ 17.59 million
Loan loss allowance $ 0.28 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 $ 21.54 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 $ 23.47 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 Savings Bank, F.S.B.’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Pennsylvania, Liberty Savings Bank, F.S.B. has a significantly higher percent of 1-4 Family Residential 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 90.01
Multifamily
Mortgages
1.33
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 7.12
Construction and Development Loans 1.03
Commercial Real Estate 7.12
Commercial and Industrial Loans 0.14
Farm Loans 0.00

Frequently Asked Questions About Liberty Savings Bank, F.s.b.

Branches and Savings

Is Liberty Savings Bank, F.s.b. FDIC insured?

Yes. It is covered under FDIC Certificate #29247.

Why does Liberty Savings Bank, F.s.b. pay such low interest on savings accounts?

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

Why are Liberty Savings Bank, F.s.b. CD rates not competitive?

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

Is Liberty Savings Bank, F.s.b. a commercial bank?

Yes

Where are Liberty Savings Bank, F.s.b. locations?

See branch locations nearby.

Is Liberty Savings Bank, F.s.b. open on Saturdays?

Is Liberty Savings Bank, F.s.b. open on Sundays?

What time does Liberty Savings Bank, F.s.b. open?

What time does Liberty Savings Bank, F.s.b. close?

Are Liberty Savings Bank, F.s.b. ATMs Open 24/7?

Do Liberty Savings Bank, F.s.b. ATMs accept cash deposits?

Can Liberty Savings Bank, F.s.b. customers use other ATMs?

Do Liberty Savings Bank, F.s.b. branches have notaries?

Will Liberty Savings Bank, F.s.b. notarize my document?

What address for Liberty Savings Bank, F.s.b. should I put for incoming ACH transfers?

Will the Liberty Savings Bank, F.s.b. branch print checks?

Do Liberty Savings Bank, F.s.b. checks expire?

Does Liberty Savings Bank, F.s.b. require US citizenship to open account?

Can Liberty Savings Bank, F.s.b. close my account?

Does Liberty Savings Bank, F.s.b. Report to credit bureaus?

Does Liberty Savings Bank, F.s.b. Use Equifax?

What is Liberty Savings Bank, F.s.b.'s ACH Routing Number?

What is Liberty Savings Bank, F.s.b.'s SWIFT code?

Products

Does Liberty Savings Bank, F.s.b. offer mortgages?

Compare mortgage rates here.

Does Liberty Savings Bank, F.s.b. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Liberty Savings Bank, F.s.b. offer personal loans?

Compare personal loan rates here.

Does Liberty Savings Bank, F.s.b. offer student loans?

Will Liberty Savings Bank, F.s.b. cash a check?

Will Liberty Savings Bank, F.s.b. redeem a savings bond?

Does Liberty Savings Bank, F.s.b. cash savings bonds?

Will Liberty Savings Bank, F.s.b. cash money orders?

Can Liberty Savings Bank, F.s.b. issue a money order?

Does Liberty Savings Bank, F.s.b. do currency exchange?

Background on The Bank

Who owns Liberty Savings Bank, F.s.b.?

How long has Liberty Savings Bank, F.s.b. been around?

Can Liberty Savings Bank, F.s.b. transfer to other banks?

Does Liberty Savings Bank, F.s.b. have quick pay?

Does Liberty Savings Bank, F.s.b. accept rolled coins?

Will Liberty Savings Bank, F.s.b. accept loose change?

Where is Liberty Savings Bank, F.s.b. headquarters?

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