Liberty Savings Bank, F.S.B.

3435 Airborne Road, Suite B
Wilmington, OH 45177

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32242
Date Established 1984
Assets $0.66 billion
Loans $0.55 billion
Deposits $0.46 billion
Capital $0.06 billion

Liberty Savings Bank, F.S.B. is an FDIC insured institution located in Wilmington, OH. It was founded in 1984 and has approximately $0.66 billion in assets. Customers can open an account at one of its 9 branches.

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.

Bank Loan Profile?

The top three loan types in Liberty Savings Bank, F.S.B.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Ohio, 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 97.26
Multifamily
Mortgages
0.24
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.05
Commercial Real Estate 3.53
Commercial and Industrial Loans 0.15
Farm Loans 0.00

Deposit Rates - February 19, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Liberty Savings Bank, F.s.b., but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - February 19, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

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Payment
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Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
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NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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5.500 %
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Flagstar Bank
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3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
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Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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:
Seattle,Washington


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
24.49% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, Liberty Savings Bank, F.S.B. had $8,456,000 in non-current loans and $7,718,000 in owned real estate. To cover these potential losses it had $59,150,000 in equity and $6,904,000 in loans loss reserves. That gives it a Texas Ratio of 24.49%.

Return on Equity
Liberty Savings Bank, F.S.B. U.S. Bank Average
5.78% 9.95%

Liberty Savings Bank, F.S.B. has a Return on Equity of 5.78% versus the BestCashCow average of 9.95%. 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
8.92% 12.19%

Liberty Savings Bank, F.S.B. has a Capitalization of 8.92% versus the BestCashCow average of 12.19. 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 September 30, 2018, Liberty Savings Bank, F.S.B. had assets of $663,073,000, loans of $552,649,000, and deposits of $462,305,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.55 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.60 billion
LIABILITIES
Total deposits $0.46 billion
      Interest-bearing deposits $0.45 billion
      Deposits held in domestic offices $0.46 billion
      % insured (estimated) 87.81%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.14 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.60 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.01 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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 #32242.

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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