# LIBERTY SAVINGS BANK FSB
WHITING, IN · FDIC certificate 28781 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $58.5M | |
| Deposits | $55.9M | |
| Loans and leases | $29.6M | |
| Total equity | $756,000 | |
| Loans / deposits | 52.01% (p20 of band) | 72.67% |
| Liquid assets / assets | 44.59% (p71 of band) | |
| Uninsured deposits / deposits | 17.01% (p66 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.31% (p0 of band) | 10.53% |
| Unrealized securities loss / equity | 6.61% (p96 of band) | 0.18% |
| AOCI / equity | -1.06% (p22 of band) | |
| ROA (annualized) | -9.48% (p0 of band) | 0.82% |
| Net interest margin | 3.04% (p20 of band) | 3.60% |
| Efficiency ratio | 460.29% (p100 of band) | |
| Noncurrent loans | 3.41% (p90 of band) | 0.74% |
| Net charge-offs (annualized) | 0.17% (p86 of band) | |
| Reserve coverage of noncurrent | 51.59% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | expense ratio p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, charge-offs p90 |
| 2012-06 | 5 | expense ratio p90 | assets shrinking |
| 2012-09 | 5 | assets shrinking | expense ratio p90 |
| 2012-12 | 5 |  |  |
| 2013-03 | 6 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 | uninsured deposits leaving | leverage <7% |
| 2013-12 | 4 | leverage <7% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 7 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-06 | 6 |  | capital falling |
| 2014-09 | 4 |  | deposits shrinking, assets shrinking |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 10 | leverage <5%, charge-offs p90, deposits shrinking, assets shrinking |  |
| 2015-06 | 8 | noncurrent p90 | charge-offs p90, deposits shrinking, assets shrinking |

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

- 2012-03-12 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTFBNUXFRQ3VLLVUxY3A4ZWJpLU5mOVgxR1pCY3NIREtuMnI5d1A3NnRIVGZ6dmtWNVVYNmMyOGYtZDBGZnhBd29rNGMxaVV2WmNRZlFTX25ldjZIbWljVnZ1VzJzdXY1bVI4SDNESDdYZEpxdjZDcWpsMkp2SWhQUQ?oc=5) · occ.gov
- 2025-08-22 [Accessibility and higher rates: Why a money market account makes sense for your savings - raisin.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1sVXk2cl9kNk45cmI0YW5waUtlc2dIUzhJY3hueTNvd1VFOXA1c1Zhel90d0ItSjhXRXhLTzVneURQVk5LSHlFNjFwUFBENC11a3ItSmt4WlpaNVFXVkNyTFM2U3BNaXNzNDhDaldtOTc5UnI4QWJ3?oc=5) · raisin.com
- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - iMore](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · iMore
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2010-06-19 [6/19 PUBLIC RECORDS - Bradenton Herald](https://news.google.com/rss/articles/CBMigAFBVV95cUxQcmkyU2thVFFET3BJS2wwZEVPT3ZsR1ZtLTlRSnVFLTR2aVZ6dWdEX0dTR055S3pxUzNGY1pkYlU1ODBMdXFjQXQ2ejJQY1BpcXRPTVJ3VWtieWlyckpBUUpVVjBHWXlFdTJqTXhZdUFvSk9rUGVUQmZJY2JLQ3QyV9IBgAFBVV95cUxPNVNfbHdKRHktMjlBZFlPcGJTZHFULTdMZXdTTnRKam1oRWYyNmJJMThFT3liTXV5NDUtbmpnMWp1TGtxQjRKbFZTN3RURGZqNjBPeGpRNG16VWJ3aXZSQlhPTzBFVjBnaHRqTHpRSTEzbF8xT1JGRjBMcm1RYlFBYg?oc=5) · Bradenton Herald
- 2013-12-02 [People in the News - Inquirer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5CWXQ4ckZkMXFYN2tST2tJa3l3QVRacXJyVjNWZHczM0k5TmpIMVNqaWlNXzZLZDR0dnB6eDB5clNoMGg4aU44TTFWU0JLZzV5aHZGTVR4S1Z0VWppSWk5Rm1jMFk5TV9zdERNZ1BnTWhSTExmVXgyaHExcnJWQQ?oc=5) · Inquirer.com
- 2009-06-28 [Darlene Beerling Obituary (2009) - Munster, IN - The Times - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNc25QQ1JZSEdjczVCakV5cC1HVHZhX2hVVzdNdnplTVpNdHgtekFXVDQ4RkhNTWNNaU5uWHB5ODRmeDI5Y3hMbjl1cjZPQUo5aXMxbVhLMUJRQ2VtR3RCcE5fOTRZTjlURUtFUGpiTDZwRDRLMURnckVqcXJBNmZRY2xISXZBTzJRY2dXdDM2ejFudw?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28781 (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/45.json (key "28781", 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