LibertyBank

Headquarters

355 Goodpasture Island Road
Eugene, OR 97401
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

LibertyBank is an FDIC insured institution located in Eugene, OR. It was founded in 1978 and has approximately $0.71 billion in assets.

LibertyBank, Eugene, Oregon, was closed August 30, 2010 by the Oregon Division of Finance and Corporate Securities, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Home Federal Bank, Nampa, Idaho, to assume all of the deposits of LibertyBank.

FDIC Insured Yes
FDIC Certificate # 31964
Date Established 1978
Assets $ 821.69 million
Loans $ 625.44 million
Deposits $ 757.31 million
Capital $ 47.09 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for LibertyBank

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
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to LibertyBank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

LibertyBank 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


LibertyBank Locations


Financial Details

LibertyBank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of LibertyBank. 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
LibertyBank U.S. Bank Average
43% 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, LibertyBank had $27,116,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,092,000 in equity and $15,970,000 in loans loss reserves. That gives it a Texas Ratio of 43%.

Return on Equity
LibertyBank U.S. Bank Average
-56.42% 7.80%

LibertyBank has a Return on Equity of -56.42% 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
LibertyBank U.S. Bank Average
5.73% 12.68%

LibertyBank has a Capitalization of 5.73% 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.

LibertyBank Balance Sheet Analysis

As of November 30, -0001, LibertyBank had assets of $714,574,000, loans of $625,436,000, and deposits of $757,309,000. 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 $ 625.44 million
Loan loss allowance $ 15.97 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 $ 757.31 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 $ 821.69 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 LibertyBank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, LibertyBank’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Libertybank

Branches and Savings

Is Libertybank FDIC insured?

Yes. It is covered under FDIC Certificate #31964.

Why does Libertybank pay such low interest on savings accounts?

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

Why are Libertybank CD rates not competitive?

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

Is Libertybank a commercial bank?

Yes

Where are Libertybank locations?

See branch locations nearby.

Is Libertybank open on Saturdays?

Is Libertybank open on Sundays?

What time does Libertybank open?

What time does Libertybank close?

Are Libertybank ATMs Open 24/7?

Do Libertybank ATMs accept cash deposits?

Can Libertybank customers use other ATMs?

Do Libertybank branches have notaries?

Will Libertybank notarize my document?

What address for Libertybank should I put for incoming ACH transfers?

Will the Libertybank branch print checks?

Do Libertybank checks expire?

Does Libertybank require US citizenship to open account?

Can Libertybank close my account?

Does Libertybank Report to credit bureaus?

Does Libertybank Use Equifax?

What is Libertybank's ACH Routing Number?

What is Libertybank's SWIFT code?

Products

Does Libertybank offer mortgages?

Compare mortgage rates here.

Does Libertybank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Libertybank offer personal loans?

Compare personal loan rates here.

Does Libertybank offer student loans?

Will Libertybank cash a check?

Will Libertybank redeem a savings bond?

Does Libertybank cash savings bonds?

Will Libertybank cash money orders?

Can Libertybank issue a money order?

Does Libertybank do currency exchange?

Background on The Bank

Who owns Libertybank?

How long has Libertybank been around?

Can Libertybank transfer to other banks?

Does Libertybank have quick pay?

Does Libertybank accept rolled coins?

Will Libertybank accept loose change?

Where is Libertybank headquarters?

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