# LIBERTY SAVINGS BANK FSB
WILMINGTON, OH · FDIC certificate 32242 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.11B | |
| Deposits | $961.3M | |
| Loans and leases | $780.4M | |
| Total equity | $85.1M | |
| Loans / deposits | 80.37% (p34 of band) | 87.10% |
| Liquid assets / assets | 28.08% (p73 of band) | |
| Uninsured deposits / deposits | 23.23% (p25 of band) | 30.76% |
| Brokered deposits | 0.77% | |
| Wholesale funding | 6.17% (p51 of band) | |
| FHLB advances / assets | 5.40% | |
| Tier 1 leverage | 9.61% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -26.10% (p12 of band) | -7.75% |
| AOCI / equity | 0.06% (p82 of band) | |
| ROA (annualized) | 0.36% (p6 of band) | 1.26% |
| Net interest margin | 1.62% (p2 of band) | 3.70% |
| Efficiency ratio | 77.10% (p91 of band) | |
| Noncurrent loans | 1.42% (p82 of band) | 0.51% |
| Net charge-offs (annualized) | 0.15% (p81 of band) | |
| Reserve coverage of noncurrent | 70.39% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $31.3M (4.02% of loans; DQ 2.31%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.7% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **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 | 5 |  |  |
| 2011-09 | 2 |  | leverage <7%, losing money, expense ratio p90 |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 7 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 6 |  | capital falling |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 6 | losing money, expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 | capital falling | deposits shrinking, assets shrinking, losing money, expense ratio p90 |
| 2013-09 | 4 | assets shrinking |  |
| 2013-12 | 3 |  | assets shrinking |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 4 | loans exceed deposits |  |
| 2014-12 | 5 | wholesale funding >15% |  |
| 2015-03 | 6 | capital falling |  |
| 2015-06 | 5 |  | capital falling |
| 2015-09 | 6 | liquid assets <10% |  |
| 2015-12 | 5 |  | expense ratio p90 |
| 2016-03 | 5 |  |  |
| 2016-06 | 5 |  |  |
| 2016-09 | 6 | capital falling |  |
| 2016-12 | 6 | deposits shrinking | capital falling |
| 2017-03 | 5 |  | noncurrent p90 |
| 2017-06 | 7 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 6 |  | capital falling |
| 2017-12 | 3 |  | liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2018-03 | 5 | expense ratio p90, assets shrinking |  |
| 2018-06 | 4 |  | assets shrinking |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | wholesale funding >15%, expense ratio p90 |
| 2019-03 | 2 | expense ratio p90 | loans exceed deposits |
| 2019-06 | 4 | loans exceed deposits, NIM <2.5% |  |
| 2019-09 | 3 | wholesale funding >15% | expense ratio p90, loans exceed deposits |
| 2019-12 | 3 | capital falling | wholesale funding >15% |
| 2020-03 | 5 | loans exceed deposits, wholesale funding >15%, deposits shrinking | capital falling |
| 2020-06 | 4 | brokered >10% | loans exceed deposits, deposits shrinking |
| 2020-09 | 3 |  | NIM <2.5% |
| 2020-12 | 4 | noncurrent p90 |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | wholesale funding >15% |
| 2021-12 | 4 | wholesale funding >15% |  |
| 2022-03 | 5 | AOCI drag >20% of equity |  |
| 2022-06 | 6 | capital falling, securities losses >30% of equity | brokered >10% |
| 2022-09 | 6 | brokered >10% | capital falling |
| 2022-12 | 5 |  | brokered >10% |
| 2023-03 | 6 | NIM <2.5%, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 7 | expense ratio p90 |  |
| 2023-09 | 8 | deposits shrinking |  |
| 2023-12 | 8 |  |  |
| 2024-03 | 6 |  | uninsured deposits leaving, expense ratio p90 |
| 2024-06 | 7 | loans exceed deposits |  |
| 2024-09 | 5 | brokered >10% | noncurrent p90, deposits shrinking, loans exceed deposits |
| 2024-12 | 5 |  |  |
| 2025-03 | 4 |  | brokered >10% |
| 2025-06 | 5 | expense ratio p90, assets shrinking | wholesale funding >15% |
| 2025-09 | 4 |  | securities losses >30% of equity |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | losing money |  |
| 2026-06 | 3 |  | assets shrinking, losing money |

## 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
- 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
- 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
- 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
- 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
- 2013-11-25 [People in the News - Inquirer.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE4tbjktY0pHSXdZamw3Z2JicUdCcXNXdkJyQVZTWHF1MzNoM21EeVFRUURQNXVwZm5yRkt5OWlxSHB3Tl9kbjgzcTc4VTNsNUZIbkZWVmhZYWFkSnhsZnpyaE5xLThGcFpMckFnVHFYMnZsUkVXQk9oekdNUy03UQ?oc=5) · Inquirer.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32242 (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/50.json (key "32242", 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