# LIBERTY STATE BANK
POWERS LAKE, ND · FDIC certificate 17096 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $159.0M | |
| Deposits | $142.2M | |
| Loans and leases | $59.0M | |
| Total equity | $16.1M | |
| Loans / deposits | 40.74% (p12 of band) | 73.59% |
| Liquid assets / assets | 61.90% (p89 of band) | |
| Uninsured deposits / deposits | 25.89% (p71 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.66% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -41.66% (p9 of band) | -6.57% |
| AOCI / equity | 0.90% (p97 of band) | |
| ROA (annualized) | 1.90% (p83 of band) | 1.17% |
| Net interest margin | 3.06% (p14 of band) | 3.93% |
| Efficiency ratio | 33.55% (p1 of band) | |
| Noncurrent loans | 0.09% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 2013.46% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 1.56% (p22 of band) | |
| Auto loans | $891,000 (1.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 2 | assets shrinking |  |
| 2016-06 | 1 |  | deposits shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | AOCI drag >20% of equity |  |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2024-07-09 [Dallas' historic Liberty Building, once purchased for $1, sold again after relocation and preservation - WFAA](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNTnA3UGJGY1Z3dHNjZFRobmdsTzNJaWZOTUktamZhNFFENlhSRlN6NlJTcEhidEhkZFprUWpyZmlFNUxrbTdGbG81U0M0Vm9rX0YwQndJdGNzTE1ZWlJLQUwxLWhZZGpydTZNU2hPYVJhb1VVN2pnM2xpZ2RFVGZEZWtGa1hRSDN0QzdONDEwNDYtak52cnBYaGpCNTAyb0lISlpFSVFnbEx6WkxnbXNJRUduVTJ2Sm1GMndVWVZaSU5hblFJeHpCcE1EckE4blUzdnB1R0E2Sml4WUpvVGExRmFsMDRqSi1WVm9NcllPZG9VRGhTdmRfR1pn?oc=5) · WFAA
- 2025-02-05 [West Liberty State Bank donates to Muscatine County Fair project - North Scott Press](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOV2FVNUtLazN1c3lMVEtDWm82VUJRc1B0d0xPMFd3SmlDYy1aZzJOQVBpSkl1VnU5cG5OOUpWTzhMeGlEMGFaa24xRU4zMGYwMndTSEJXLUR3Um02cG5MZ3BQT1V6YXlTWUlCV1d1YWtNbm1fd1VTNTZsTXlrM09RVDlMV184X194WWt5aklFVFBvU1N1czVWMDdnOFllQUlMeWl3RzVCbTVlX0RieDhBOWVWeEoybFBUSk5LSjZZenk1MHRTaWdoOGExQzYtQmh3TFhwbHBlLVE?oc=5) · North Scott Press
- 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
- 2022-11-29 [FLNB changing name, switching to state bank charter - bluebonnetnews.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOU2FQTjMxZ1NNbGNMdWMxdlVrMkItaFlHR3A0SHh4LXc2QmNiYm9nUlZwZ0NXeDJ0cDNacEtqejFSMkNEOGl3Mng3U0VQR09qTHdOZVI0c0Jod2xaUWhHNll0emRXakZLWXBlUFhadU5reS15ZHVrcXBBc25lTFlDSF9XRThYSk0zY0ZqWTBBVEk0UVk?oc=5) · bluebonnetnews.com
- 2023-08-24 [First Liberty Bank announces plans to open new branch in Colony Ridge community - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQeU9VTDU1dlkwZnJQWkRKUVVDOVp6V1k2bGdoRFdzMDdrbFlRRjBrbEtnQ25SUDJrNFFGTkNTOHZjV2ppemdZNUVncWtwSXFEYy04OEdwR1hVVllFNG9LWHFENlh6ZHJGSVZWRUlsYl90VEdPZXAyNkQybzV6TkV5WVd2Mk9saDQtTTY4T1NSbDNzSndtMjRCZXVrTUlvaTB6X1pNaGE0cWNUVUV0RldxT3FiZmNOUHUyNHc?oc=5) · bluebonnetnews.com
- 2024-07-09 [Wildcat Management sells historic Dallas building after painstaking 'brick by brick' relocation - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQeFRCY28yY1d6U25aeXJqakdsQkNucTNYSERrZFdOeFhFLUtjZEJLd2NMTjM1cEY0UDVyNVQ5cmhQejFfVzVtOXJpaXNQQUxSR2lqTjhYd2NPUjRReVZpRnFfcWllSmhJWFBCVHpLSF92UEJDYjJieGpHQXRHNVd4UWV3bHUyMFVMeUphTzFsU3RSdw?oc=5) · The Business Journals
- 2021-09-14 [Cass Conrad Obituary - Warren, MI - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTFBiZW1zMHRjRkdBbnlFNFBzUFJHM1VvMmFfS1pkM2tfdnBrcmJNcmhtdWViYmdQOUpOSVJVUU1oaWVTQTI0a1VtQUxUcWZ3RXhicjVYUG1fZWRtaTdscGNFLWJicElnQ3k3YTRGN3ppbEdudmRLUnBqRXVBbHh4UQ?oc=5) · Dignity Memorial
- 2019-04-12 [FLNB announces promotions - bluebonnetnews.com](https://news.google.com/rss/articles/CBMickFVX3lxTE9Lai0zMEc1RW1VZ2NjQUoyUFVrN19WZmF6UnZMUklhVnVMUnMyemsxaUgyYXVsQjJoSU1KNVBSbkwzTFJ0OGY1ZmlMa29vVS1ERnRhMVgzSHY3bGxDNDlJS3UteDMtbkE3N01BQjk4bm9RQQ?oc=5) · bluebonnetnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17096 (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/8.json (key "17096", 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