# LIBERTY BANK
MIDDLETOWN, CT · FDIC certificate 17943 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $9.38B | |
| Deposits | $7.12B | |
| Loans and leases | $7.34B | |
| Total equity | $1.23B | |
| Loans / deposits | 101.81% (p89 of band) | 87.10% |
| Liquid assets / assets | 17.42% (p35 of band) | |
| Uninsured deposits / deposits | 25.51% (p31 of band) | 30.76% |
| Brokered deposits | 1.87% | |
| Wholesale funding | 11.33% (p70 of band) | |
| FHLB advances / assets | 9.31% | |
| Tier 1 leverage | 13.37% (p87 of band) | 10.50% |
| Unrealized securities loss / equity | -34.16% (p7 of band) | -7.75% |
| AOCI / equity | -0.35% (p47 of band) | |
| ROA (annualized) | 1.30% (p54 of band) | 1.26% |
| Net interest margin | 3.45% (p34 of band) | 3.70% |
| Efficiency ratio | 75.60% (p88 of band) | |
| Noncurrent loans | 0.32% (p35 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 364.45% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 40.86% (p43 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 923 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | loans exceed deposits |  |
| 2015-03 | 1 | capital falling | loans exceed deposits |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | capital falling, loans exceed deposits |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | loans exceed deposits |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | loans exceed deposits |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | loans exceed deposits |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 2 | losing money |  |
| 2020-06 | 1 |  | losing money |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling, losing money | NIM <2.5% |
| 2022-09 | 1 |  | capital falling, losing money |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | deposits shrinking | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 3 | capital falling, charge-offs p90 |  |
| 2024-03 | 1 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 4 | losing money |  |
| 2025-06 | 2 |  | capital falling, losing money |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 | loans exceed deposits | capital falling |

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

- 2026-09-09 [‘Route 91 bandit’ sentenced for bank robbery spree involving 7 Connecticut banks - WTNH.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxPQ0RIX1pQZnZfNW1yN3JXRFpVdUhiODNMQnpmRHFxbERSNm5qNTBMMGJkc0NjYUhzeVAyYmlDVFBjSlBpTGNNWlFpWEd6T25iUjAtc19Ed1Y1bnM4NDBDMG9DS2xPVUtHNTBEcEtrRGJWVS1fMDFHeU5iTDR3aFZ0LWphazNQcWFlS3B4OG1QM2t4bTBLYWFGLUhtNDZJU21pUC1FZUZBTWwzV0FFYzJtS0JSaE1DeTUwSUN1VFdR0gG-AUFVX3lxTE9DREhfWlBmdl81bXI3cldEWlV1SGI4M0xCemZEcXFsRFI2bmo1MEwwYmRzQ2NhSHN5UDJiaUNUUGNKUGlMY01aUWlYR3pPbmJSMC1zX0R3VjVuczg0MEMwb0NLbE9VS0c1MERwS2tEYlZVLV8wMUd5TmJMNHdoVnQtamFrM1BxYWVLcHg4bVAza3htMEthYUYtSG00NklTbWlQLUVlRkFNbDNXQUVjMm1LQlJoTUN5NTBJQ3VUV1E?oc=5) · WTNH.com
- 2026-06-30 [DCF, Liberty Bank Team Up To Teach Teens In Foster Care About Financial Literacy - CT News Junkie](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZTdCemtUWmFYR0c0NXlWakNrWDRQdGtGTHZtY3JVa0RrTDJUQlV1ZDlfYXo5RjRsbjZRY2oyY2FTRXlIMEtXUlIwU0lQX1d2N3pzZ1FENDVQRFl2MUV4aC02UlBVMC1XVDZVeExMVXd1ZEVPaVJNTlhBaXBHVXZMc05IVmU5RFcyRDBLVHlyeFpCMEZqWXgwMzJYX0FvTl9vNno5QWVRYjVWZEJRenFuWVFfbzJ3RzQ?oc=5) · CT News Junkie
- 2026-07-01 [New program helps youth in DCF care open their first bank accounts - CT Mirror](https://news.google.com/rss/articles/CBMioAFBVV95cUxNenYzRFpHczV4clRfci1Ia2g2dGZydFduenlSRWJtakUxaVQtUDEtWVVObjY4SThoejhfdVZBemVBUFVXU2lLVW9xcF9nck5QUy1aZ21tZF9VT0l0MUM1eE1oa3B2WEs3XzQxRFZFZ2RLa3l1a3hYVHJSWFNrcDRxdHFTdEJBWGpnLS11MFVZRk9odWdnX2FGRk9yWlc2WnJv?oc=5) · CT Mirror
- 2026-07-13 [Liberty Bank makes a big play for AI adoption - Hartford Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOM0U2aG14Qnlrb1ZMejNNYkdPQlJPYXp6VjViQXFWdTdOa0JkdTJYcjFZa0dmNXBoSmNZZ2dHREtjVWRDMENYVDZwMnV1VmUyMC1DbkxITlZNTEl2STQ5OHB4dGVQS3VtbVVVWDhDUXFGekltSWRQeVZHNktKM3hVMTAtR2wzVE1TZ19n?oc=5) · Hartford Business Journal
- 2026-07-29 [Major Connecticut Bank Turning To AI Intelligence Officer In Newly Created Endeavor - Patch](https://news.google.com/rss/articles/CBMisgFBVV95cUxOLWtfSXZKaHNZS2xoenl1V1JPbXFocWkxMEgtVWZtRmt1MUR4NFJfOFJhX0U1dktCWllIbUUtZHNUNS1wUHRJaWpUUGQzYmgtRkU4VmxUUWNEM2VQQXZDaDMzNjU0MjZPb1J0UWxsMXctbEZVR1V2R1MzellFeUtkb0d5TWJxNG9EcUpRRVFSWWpGaHBhVTJzZzkxV1ZvWjJ0Q0VIMGJQMnlwSXd4WnNMbXpB?oc=5) · Patch
- 2026-08-02 [Popular CT bank embracing artificial intelligence with new AI role - Hartford Courant](https://news.google.com/rss/articles/CBMipAFBVV95cUxQY2dvU2NqN0FSWHNqNGlYRlNlWWhSUEVZVEtyNUtiZ0o1OEYyb0U0NEpVc001d3ZxS3RtbUlBbFZ4ZF92eFFKYzBmQnJnaFBSN1lQTEI0dGlsUHNVWDZWcWFscEpkYUZlUFJ2UlFqUXBWQ2Y3ZEE0OFhIa1BfUld0T1Ytb2FJdlBFUmMwUmR0VUxhMm5OOFdMaHc4YkdxS2pRLW1kYw?oc=5) · Hartford Courant
- 2026-04-24 [Liberty Bank Expands Assistance with HSA’s from Access Health CT - HK Now](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTzB4N2NHUGlOM3JTd2xMakdHcy1HcVMxSl9NODJWdW9MbEZqY29VOVNSM3hWY2RBcXdWekFTOGdhT2I3SjZhM1NlNmFyeUJYOHlILTFheGhLOUtUVVRiNjR6S1RHemNZb3RZZ1EzaEtsQXZPMTVpSUZyODF0OTRHX0IxZTF0Wi1xODloT0hVSmRMT3NxSjU2NGdR?oc=5) · HK Now
- 2025-11-13 [2025 11 13 - Joint initiative by The Department of Children and Families and Liberty Bank - CT.GOV-Connecticut's Official State Website (.gov)](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQV1d2TFcwRWh3MWtubHc4MXpDZmJJY0prUEQ2ekZrTkZ0VS1SUGNLSExTcHVFR1d4T0RjT3hEamYzRWZIZ2drMG4tTDBFM0NOa0dKRFA3RWlkaDZXUHEtaWU5TjVCM0hzd05iaTI4MGlCM0ROUnBMVTAxLThlRGdaNG85QnVLVlNJYmtqZmRmODAyWWluc1dwbWQ3MUxHV2RpNG5CajgxcEQxU3NnTWtNQk84aUxzclpoZjlvcEtoMjhNRGlKUGdZeVYwTHk0SUUyUW1WTVFFN3J5dw?oc=5) · CT.GOV-Connecticut's Official State Website (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17943 (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/23.json (key "17943", 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