# LIBERTY BANK
GERALDINE, AL · FDIC certificate 20429 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $258.6M | |
| Deposits | $229.9M | |
| Loans and leases | $184.1M | |
| Total equity | $27.4M | |
| Loans / deposits | 79.26% (p61 of band) | 73.59% |
| Liquid assets / assets | 25.45% (p33 of band) | |
| Uninsured deposits / deposits | 21.01% (p54 of band) | 19.81% |
| Brokered deposits | 1.64% | |
| Wholesale funding | 1.64% (p57 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.30% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -4.92% (p57 of band) | -6.57% |
| AOCI / equity | -0.77% (p33 of band) | |
| ROA (annualized) | 1.69% (p76 of band) | 1.17% |
| Net interest margin | 4.93% (p88 of band) | 3.93% |
| Efficiency ratio | 57.51% (p29 of band) | |
| Noncurrent loans | 0.15% (p38 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 670.65% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 102.72% (p94 of band) | |
| Auto loans | $3.9M (2.10% of loans; DQ 4.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.5% | |
| Employees | 56 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | charge-offs p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | construction >100% equity |  |

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

- 2026-08-27 [Exclusive | Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh - wsj.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcnpKYTYwa0FwU3piSWZUczBZck1ZTHJIWWVULUhjZ2FlYmV6TWwyZGxhNkxVUEgxYlNNRVhrU0s1RS1qZk1aLTNvdkU4b2JpUG5wUF9KTl9lNV96aGJsRVNKUEtqVEttR21HN1IyaGNEbVR3bEFjeXBMUDNtNWphT2E5YXl3dndRdDRKWG9DeFRlWjVKb0tLWDFRMmVuRHFkcHB4MlZ5NDZkcms?oc=5) · wsj.com
- 2026-08-28 [Abu Dhabi Sheikh Tahnoon Holds 49% of World Liberty’s Bank Holding Company - CryptoRank](https://news.google.com/rss/articles/CBMilwFBVV95cUxNNDV5X2lRTHl3dVREZ2ZTQ0JTcTNUUFNyS2l2SktIeVFQS3JqM2d4RGZybFdkM0wxUWtFZW1FQVE5MkdUVFNzMmpzbF91MXdTaGd4UkNoVXZqaVZST3lpWUZVZmRsbUZGTVA3NVlocnVXb052d2tMMkNaX2JTUm82WHJPcnR5SUR5TFVTeGVjVFpGaTVnNmkw?oc=5) · CryptoRank
- 2026-05-13 [Alabama community bank to introduce digital small-business brand - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzhNNWVzcWxSSmZWWkRveHB3cENIb1dpYlhEUFNwU0RRSnNMYmZfTUFLNk9RdkUwUUlScU4ybVVrUjEtSzBlTXZwbzNCZ1NnaU5LLVN1MFpoLThMRjN3eU5PUXVENkhvUnlkODU3c3RhQjBrbnR0REM1dzZVbEdoTUxLRkF6UmdIbUQtZktvLVJSd2ZtaW13MkVNT0diaXhSUUE?oc=5) · American Banker
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-28 [World Liberty's US trust bank gets major Abu Dh... - Pluang](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVW11QzJTUlRfX3lycDQ0ZnNYVWxhbzcxdko0aUVGbGhkSjlEZGVIdmQtdXVveUoya1RqbVVTdFlMeVhjWTl0MVkwZmFyMGlTajFKZjQtckczUVVZWHlrZ1FtZG9RTmUwam5QSlFyYUFtZVBzeTJZMmlzczRTZ29xSHhPWndPbVR2Tm9XWnptMndsdw?oc=5) · Pluang
- 2026-06-12 [Once ‘a beacon of hope’ in Seattle, the name Liberty Bank lives on - KNKX](https://news.google.com/rss/articles/CBMipwFBVV95cUxNbk5pY1NGaU5OYmh6d2VIMXU4Y01GUDlKUG1xVTNsRFdzeVRvdm5fVkJUblRjYmZDTGdEN2RzSF90WUxEZWRMd1hNOTN1dW5BTVBRVGtNTlNaWTJIYnkxYUludDRiVENQcjZwRDhBanY3VGtnM1RmZmZSVTBfQmJLU0MtbWtBTmlqVHhhbG5pdnJrdnZSNElRQ2U5LUM4SWd5UlVsRktYTQ?oc=5) · KNKX
- 2026-03-03 [2 Charged With Forgery, ID Theft In Derby: Police - Patch](https://news.google.com/rss/articles/CBMigwFBVV95cUxNdUZBVkgtWnZnVkNndGFkLVB2TjJzTTFFV0djX1VfN0REck1nN280WjRoemJfa3N2cDl5TGMzVU1ITnY1RnlLQ3g3allhZ1BrN1hjWWlScEhOaFpYM1R4YWppTWRQMGJYU0g0RTY1X3Y0MGZ5OGlWNGNkeFY5SVpNd2JmZw?oc=5) · Patch
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20429 (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/13.json (key "20429", 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