# LIBERTY STATE BANK
LIBERTY, TN · FDIC certificate 11881 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $159.6M | |
| Deposits | $138.7M | |
| Loans and leases | $82.8M | |
| Total equity | $14.7M | |
| Loans / deposits | 58.34% (p30 of band) | 69.26% |
| Liquid assets / assets | 44.10% (p68 of band) | |
| Uninsured deposits / deposits | 23.42% (p87 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.66% (p60 of band) | |
| FHLB advances / assets | 3.66% | |
| Tier 1 leverage | 9.29% (p30 of band) | 10.33% |
| Unrealized securities loss / equity | -2.67% (p31 of band) | -0.53% |
| AOCI / equity | -7.17% (p26 of band) | |
| ROA (annualized) | 0.63% (p40 of band) | 0.77% |
| Net interest margin | 3.16% (p26 of band) | 3.62% |
| Efficiency ratio | 63.20% (p25 of band) | |
| Noncurrent loans | 1.92% (p67 of band) | 1.08% |
| Net charge-offs (annualized) | 0.60% (p92 of band) | |
| Reserve coverage of noncurrent | 116.38% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 3.42% (p24 of band) | |
| Auto loans | $1.8M (2.20% of loans; DQ 10.41%, NCO 0.00%) | |
| Loans to nondepository financials | $60,000 (0% of equity) (p97 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 3 | charge-offs p90 |  |
| 2012-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2012-06 | 3 | capital falling, noncurrent p90 |  |
| 2012-09 | 1 |  | capital falling, noncurrent p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | reserve under noncurrent, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-02 [Citizens Bank of Lafayette Becomes Wellworth Bank - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVGowRUZFdlVsa1Zzb19rWXdOZl9IR3hHR19oNlphZElYY3R5V3pmU3VndWtoNTZIeDNfZkRTTFdiTUxoR0dPWG53bXlJd08yRlpKb0RmdE9zNFRrTklsS0hRZ3ZmTjZkVTRxN0E1bnFabFhLWHpPSWR0dHQwZlFoN1hjbW96UQ?oc=5) · The Business Journals
- 2025-06-21 [Leadership DeKalb Class of 2025 Graduates - WJLE Radio](https://news.google.com/rss/articles/CBMicEFVX3lxTE5OaDQ1X2hrQ2trb0kyeVhSTTVsSEJVSFhNS19XWG1TOEc2RHp6TzNiNmI5cUZKT0l2djlYRldXNzNDZEI5NUJEd1ZSRE5qSEV3MWdtaEQ0YUk4TXRlZHVtTXdBLVFsQ05kTmtvUnZqMkE?oc=5) · WJLE Radio
- 2025-12-05 [Barry Wilmore, Davis Nolan, more lead Wilson County Christmas parades - The Tennessean](https://news.google.com/rss/articles/CBMirgFBVV95cUxNYzlweVRaSVB6V2o5b1VDY1lfMUZ5VTY4b1hoQzJMZXFkUFFVejllTW1OcjJST1lBcm4tWnBiMG1ZTndESWRWNUxnWXZTeXkxZkZzV184Wkprc2p3SmJmTHZMeHBLNjlNT1huRTVnZ1dNMlRTeGVHdnduSGFWR2ZscEozTl9GSk9mVl84WTBzUEpRZG1ibm12WnFFdHJPQmtReFNaZFNDdG9DZk5mYlE?oc=5) · The Tennessean
- 2025-06-09 [Teresa Gail Bailiff, 63 | Obituaries - Herald-Citizen.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQcmR5eVBUQ0JIN093Z29JaG5LeERzT1lRMmRFUTBNUmNkb1hINlNoWWhlbUg5OWdBNDZpNG1QTWdTUmY3WDM5dXlQR2tpRG5JRnNUTnFiUTYzV2VJN0tqRWxKRGRrQWVNdG1CN1IyMWFHNVM5dFh6eVpOOXhMYXBSSXI4RkVaVmNzbXcxSzBRVmptNGZoVnM0Mm5VdEFreEFYbjBvdEhqWFBfbG4tQXJ1c1hkd2w4ZVlNY3dnd0xRWlpHNGs?oc=5) · Herald-Citizen.com
- 2024-06-07 [Marcia Goodall Obituary (2024) - Lebanon, TN - Sellars Funeral Home - Lebanon - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcHUzeTZEb09ZTFpselZ4eXRNWWMzOTItWjZwVzRMYlNmelFzeFdLR3JVU3JGX2llZlEzNWlSdlFfcWRieDdJVTRSanJyYmdsUlFuWXBZTXVJT0otX1M4WklFbnRzTnVEeWJNUVd6ZWlua1p1dk13SjFFV3otWUZaQkprQQ?oc=5) · legacy.com
- 2025-04-21 [Town of Liberty Hires New City Recorder - WJLE Radio](https://news.google.com/rss/articles/CBMibkFVX3lxTE9oUW9vdjJnQnl2MjJCNlJpVUNRZmtndG1jTGJMM3AwVVNrS2NZd3JjUHNoWlVRR3l5cUJidzRCWjh0R3A4RktFb3dfVGE2d0tfTjdaLVRudEU2SS11Q3FmREFVZjBPVVhUSWhrR29B?oc=5) · WJLE Radio
- 2022-12-22 [Local developer secures land for single-family project in Lebanon - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPU2l1ZTBsY2c2V3gtUWw4dzYwdkRxTVdYTUdiWFlyQWRtNGNRNFo1ZEpRQVdLZE1wSEhzclp4RTN0WVkxRHJRM0Vkc0xoODBLeHdUb21JTEEzdGRPMmdVMGw0OU4yWDV5YVZtMGw0WWdnS095TGZ2cTdJZDNrbzBYTlp3UVhoZ3UzU2dqVmo4UnNDQUt1bU1nMDV3?oc=5) · The Business Journals
- 2024-04-15 [Wanda Carol Agee Obituary (2024) - Smithville, TN - DeKalb Funeral Chapel, LLC - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5QR1QwaGhpc2d6ZVNTR0FvdGNLVlNSV1dyei1VWURjblBydVpsOHh3Q09PNGFBWFpGa0tzODlrQzJTSHl2UzR2ZjJ2ODhMMXFobUhGT3IwWjNxWjROZ2JmSkt6VWdlWnhFVk5BOG92SUtjdXJsaFNWMG5zV0lUdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11881 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "11881", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide