# LIBERTY BANK
IRONTON, OH · FDIC certificate 28463 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $55.7M | |
| Deposits | $46.2M | |
| Loans and leases | $27.6M | |
| Total equity | $9.4M | |
| Loans / deposits | 59.51% (p29 of band) | 73.59% |
| Liquid assets / assets | 42.18% (p67 of band) | |
| Uninsured deposits / deposits | 17.52% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.96% (p87 of band) | 11.76% |
| Unrealized securities loss / equity | -12.74% (p33 of band) | -6.57% |
| AOCI / equity | -0.60% (p40 of band) | |
| ROA (annualized) | 0.69% (p25 of band) | 1.17% |
| Net interest margin | 3.89% (p49 of band) | 3.93% |
| Efficiency ratio | 70.82% (p62 of band) | |
| Noncurrent loans | 0.77% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 58.22% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 0.45% (p19 of band) | |
| Auto loans | $1.8M (6.34% of loans; DQ 1.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.8% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | assets shrinking |  |
| 2015-12 | 1 |  | assets shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | assets shrinking |  |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | charge-offs p90 |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | deposits shrinking |  |
| 2019-06 | 1 |  | deposits shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 2 | expense ratio p90 | noncurrent p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 3 | expense ratio p90 |  |
| 2021-12 | 1 |  | capital falling, expense ratio p90 |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 3 |  | charge-offs p90, capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 3 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | deposits shrinking, assets shrinking |  |
| 2026-06 | 3 |  |  |

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

- 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
- 2026-08-14 [Trump-appointed regulator OKs banking license for Trump-linked crypto firm - Politico](https://news.google.com/rss/articles/CBMikwFBVV95cUxPdVJYYnNQX2xNajRobV9ROFBRcjRzWFBXdFdJejlQWHFZYnJpM1lZd01mMU9XR0NSUXRPOGJQdGhsczNieUhZaWNoOVBZRnptRFNIS1NMNzZOaFpuQmR6a0JPbXY4Z3JTblpkaU9jbGJtZWhMS09ZNW11Z3NzcFgtVXFFV3owWklsYVpqZ2t4c1ZiREE?oc=5) · Politico
- 2026-07-16 [Liberty Bank, N.A. Parent Company Welcomes New Investors and Names Daniel Cohen Chairman - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPRmhyNXdaUm5XR2FraFBkWHc1d2JBOVRfLTdnbTlBbXU0dTd4RW56bUFoVVN6NHIxOWhXamZfeXN6MjJZQ0tWN01BelFGRlNTRnpiS3ZDV0ktM0lKdG4yX2RJV002elNIVDJMV2R0ZkxxcDhOSDFtX2ZxdkxMRlNtUVMwbGR2Y2Q1cGpha2h3b2hUVktSOGNTal9LLVhVWkdsM1JqWDg3QzlYZE9pclMtdXhRZ3lOTVFvczlxRjBhOVNFV2o4bkpUQXcxR2loQlFRc016UF8yNEM?oc=5) · PR Newswire
- 2026-06-18 [Liberty Bank Establishes AI Center of Excellence, Strategic Partnership with Flare AI - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQRzF3akJBVW5JSlNPMUxNdi05dmttbHdwU2ZlYkdWdGxuUFBqMzNmNG9KeldSb18zY0RlMkJxVjlUaUIyWHlQcllKTndvSXRLSUJDWFI4TlBfbFZCcUJpSFlxZE1lSGstR2NZb2FwcGtkaFZmalg2MGExb0N5RGVsRGNtS2VjZ3JzbWNqMWVocmJyZTZqSU9CMDlWRzVCYWtyNFpRNi0zZmdIaWdSRmctcXlLU0JRdXpFOXNzNmJCMFpac1RXVHBlRS1vUVlXWWdMRU5SNk5SRnM?oc=5) · Business Wire
- 2026-08-03 [Liberty Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBxaHlzWkx0djFCdWFRYXZkRmlidE40RkIwQ0VHTjh5NjFyMGNkM3VzVld3VFd1OGNmcXN0OXlUYTRXcklLQ2Y2VkcwSGJQV08ydTVsNGIySXpoZC1qX3hFWlM2c1ctOHB6Tk1zZw?oc=5) · reveliolabs.com
- 2026-06-30 [Palo Alto founder Nir Zuk clears key regulatory hurdle to become major shareholder in U.S. Liberty Bank - calcalistech.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBFNWIyczYzcGtSYXZUM0xZanowQ0J3dm1nYXhEcUEzLTBOWkliU0J4cWJzSkN5QnRQV3laRlU2QjQ4dHktTjFGdWlyYk45aTFJMjROU1U4M1pQX19CY2FiX0lEcmZSc2s?oc=5) · calcalistech.com
- 2026-07-17 [Palo Alto’s Nir Zuk among investors in Liberty Bank parent company - Retail Banker International](https://news.google.com/rss/articles/CBMijAFBVV95cUxNa0twblI5RzFWYnlPNW1acU16Z1JFZ0lWQXVhekplUHdmS1R6b2RuaXRJN1ZBd2lYNld6cEhCRW9ZUEJmeHBrck9ZVnRiel82Y1VodXgxQTdpa0pVT1dJNVI3MjFCcmxpZG5aUWRJWklXZjBiSTZsNVo2NFBRNEJrVmQ0ZjhEMk45cS1nbQ?oc=5) · Retail Banker International
- 2026-08-20 [Crypto bank part-owned by Trump family offers depositors way to ‘gain favor’ with White House, experts say - The Guardian](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUnZMM2x0clh2NFZJOHFSbENBd3FDUHJkRzU3ekRhd1VidUUzYUFodkJnbU8tcXF0QkpoYjctNENJd2wwNngwQkdzZlp4VmZpYURaSFlYbXI0Nm9STlJVenRZN0N5ekVwMDlnUElmbHNrRGVjTl9COFFuckhjX3dGVGlNbU9GTGJkeDhHZFdvWmZhU0ZaaEtINA?oc=5) · The Guardian

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28463 (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/47.json (key "28463", 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