# LIBERTY BANK
SPRINGFIELD, MO · FDIC certificate 34087 · asset band $1-10B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.14B | |
| Deposits | $875.8M | |
| Loans and leases | $790.0M | |
| Total equity | $210.5M | |
| Loans / deposits | 90.18% (p63 of band) | 84.25% |
| Liquid assets / assets | 15.72% (p19 of band) | |
| Uninsured deposits / deposits | 19.87% (p37 of band) | 24.35% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.06% (p28 of band) | |
| FHLB advances / assets | 4.06% | |
| Tier 1 leverage | 10.43% (p62 of band) | 9.88% |
| Unrealized securities loss / equity | 0.17% (p14 of band) | 1.91% |
| AOCI / equity | 0.13% (p27 of band) | |
| ROA (annualized) | 0.53% (p16 of band) | 0.92% |
| Net interest margin | 1.60% (p4 of band) | 3.44% |
| Efficiency ratio | 47.15% (p9 of band) | |
| Noncurrent loans | 2.16% (p90 of band) | 0.80% |
| Net charge-offs (annualized) | 0.01% (p39 of band) | |
| Reserve coverage of noncurrent | 1.55% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 18.94% (p29 of band) | |
| Auto loans | $10.7M (1.35% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $3.7M (2% of equity) (p83 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 268 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2012-09 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | NIM <2.5%, reserve under noncurrent |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-10-07 [Liberty Bank’s Tri-State acquisition to form largest Black-owned bank in US - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxQQkVPMVAyNW15T3h4enNEa0xvUWRVMk5uOHJna2pIdW5CWVBwRnd5dU9pMkZMbzY2MFJmYXhjajFSZDlEQ25BdDdVOGpNSk4wMzZzZFJ5WXhGdzdOcXEyMFcxSEhpSnczWEFWMzBQSUhpYlZFSjh6TFgtWW9uU0NiVVhpZ1NNcV9Hc3FmVEtBRjc4bV9PLW5SLWxtb0ZxNVVHU1NTUWMxQU9rT0pVaWVTTldLbExxUQ?oc=5) · Banking Dive
- 2021-04-01 [Top female Liberty Bank executive finds purpose, success climbing corporate ladder - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMixwFBVV95cUxNSWdFLXdGazlxM1dvQ1pXVWcwek9uazhzelJoNHV3TVhmSlUwMjJMTEZsTFpuZy1tb2piYndqRUFjc2Y4YURwa1VtNDBSSi0yYXFUcmNGb2tBRmRKeExzTUFBeW96dHBIbF9zUVBIT1RfREg0eGR0bFFSTVV3NkZYalVKQ1BRZGFIR0dvR2hvbURMTWtyZU96X25xRHRxbVhxd0xKRm9nMVBzd1dnd2hxVXRaUFpudWtkTHh1aHpOUVF6NTluWndR?oc=5) · KSHB 41 Kansas City
- 2019-12-11 [Liberty Bank and Trust Company Agrees to Acquire Metro Bank - Biz New Orleans](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZXNCVHFvWE1zTzFQc01MYW1uR013ZnFOZnVTVzhGbmFRR01QcGp2YWpxajZwb0pTZ0JMdTIwLWNVb3dBOVlfcTVrY29vT0Eyek8yRXkwTWVsMHdqaVhKY21JSWpnOG1KSEN6dW5QbHRVdXlDWk9KbzBZQUJlbVduMHpoa1Q5WWttQVZIY2RTZw?oc=5) · Biz New Orleans
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2026-02-23 [Steve McDaniel, First Liberty Bank - journalrecord.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5YM2NId3o0Tzh2am1Hb3Bjd2FtOFM1YTFIZHRPRWN6V0E4NzVkWXpHOWJnS1lIT2NQdGp2NFV3R0Z3cF9mVko0LW13bTd1QzRwQ09PeUVTWnFaSm1LQXhiS01PcjRNSlNxTGhiX0Nvc21zV2wzdzdOcUF6OA?oc=5) · journalrecord.com
- 2025-03-11 [Exclusive: Liberty Bank of New Jersey files for charter - NJBIZ](https://news.google.com/rss/articles/CBMifkFVX3lxTE9NVFNleWhDRDNac3cxTUl0UVNNNm5XRjNpR21ET0xpWUp2NHNxZUMweDAwaDVaQklNRUlWNTE5ekFQVHhTZGtXa2FYQzhaU1k3NXd4dE1YQ1NGRk5rWTNMOUI4SnZhSUJ0d3ExSG9zeXpnTTBJZ3UxV3JFVllRZw?oc=5) · NJBIZ
- 2011-07-22 [Bishops Finalist: Liberty Bank - Springfield Business Journal](https://news.google.com/rss/articles/CBMia0FVX3lxTE1xbGJpdHJRVUctcFd0V0R2VG1tTXlKanY3MDVablVHUWJwNE13aTdrdjV6TGhMQ1ZURGNEQkR3cUhYS1V4UmtzWmk1TVk2UFlqajFzdHNUQ0xWVzFTTTVxRzIxRlZ0YTU1YnNR?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34087 (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/39.json (key "34087", 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