# LIBERTY BANK OF ARKANSAS
JONESBORO, AR · FDIC certificate 3878 · asset band $1-10B · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $2.85B | |
| Deposits | $2.14B | |
| Loans and leases | $1.85B | |
| Total equity | $368.4M | |
| Loans / deposits | 84.90% (p61 of band) | 80.17% |
| Liquid assets / assets | 26.89% (p50 of band) | |
| Uninsured deposits / deposits | 33.49% (p78 of band) | 22.18% |
| Brokered deposits | 3.00% | |
| Wholesale funding | 14.82% (p76 of band) | |
| FHLB advances / assets | 8.94% | |
| Tier 1 leverage | 10.33% (p64 of band) | 9.79% |
| Unrealized securities loss / equity | -5.41% (p11 of band) | -0.48% |
| AOCI / equity | -1.98% (p55 of band) | |
| ROA (annualized) | 0.87% (p45 of band) | 0.93% |
| Net interest margin | 3.59% (p55 of band) | 3.53% |
| Efficiency ratio | 56.23% (p21 of band) | |
| Noncurrent loans | 1.29% (p50 of band) | 1.32% |
| Net charge-offs (annualized) | 0.66% (p94 of band) | |
| Reserve coverage of noncurrent | 119.67% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 64.11% (p85 of band) | |
| Auto loans | $20.9M (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 607 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | charge-offs p90 |  |

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

- 2013-06-25 [Liberty Bank Merging with Parent Company of Centennial Bank - KARK](https://news.google.com/rss/articles/CBMimwFBVV95cUxORk5fWS1CTy0ydzluWkpDZHBGM244cFIteHhleV8tTk5wVnJfd2M0LTh1NzJfdUVYazlHSHc2VUFXQmhieUJsWFdNenhYeXA2MEhqSG5UUDBjcndzUE1IemdsUUJtaGU3ZEpIWnlrTmhDLWYtc1ZjWDVpSEdaN3NtNk9wZGtzZGdESTNxblNjbllNWFJuV1lMVjRlbw?oc=5) · KARK
- 2012-09-08 [ASU Stadium now Liberty Bank Stadium - K8 News | Jonesboro, Arkansas](https://news.google.com/rss/articles/CBMif0FVX3lxTE92RmFybDJjTURwVkdQdnJRR1hIWEkxZlA4QzRUaXMwdG9XUlNhV1Vmcl9tOEVGZGFyRjZyczR5OXNBekF6VkcyWW1ia3pvYzhYNlJ4bGtoV2xBZVFRZVdoNFlEWmxpYjB1YmJ5TWdacDBHREdrYXl3bHVpcG1ITmfSAZIBQVVfeXFMUERJU0dab2VOdUZoRWtJSTZPQWx1TjJxUHh2YlVjMnNOdWhuUER1djBGNnc0NEtCRFpwTDZEVllfUEwzTnN4S0hxM2JNUkFjQllNWENMSkZaVFd6ZXQ3YkNEQmdpMTBNU0pRU2hQd1dFTmhqNDVnaklXblJ6Ny01NFF4XzJQcjNySDVvWmxTTnpWZHc?oc=5) · K8 News | Jonesboro, Arkansas
- 2013-06-25 [Conway’s Home BancShares To Acquire Jonesboro’s Liberty Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMilAFBVV95cUxOUTVrNXpSbVBhWmtJT1QyVlVLWEVKRjROMHBlel9FVnl2dlhTQWhOa1U4WGVwMXJLMDRtV3M1clpZeXNvVzBuLVNSTWlpMTJjOGxDZW9PckxWYXNzZ1pHQ08xYjUteFZtTFUydkdMWHpMby1WaWoxbzZONWRlMnlDZEo4aGI3Ukh4c2stOG5qaUswQzIx?oc=5) · Southwest Times Record
- 2013-06-25 [Update: Home BancShares To Buy Liberty Bank for $280 Million - Arkansas Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdklQSWZrakJEanFma0pfb21LMklPUDNyQVJYU2p0eFhmeUlaNThrcnhQd1hyUXFxOTRNZDZYekRmNy1PNXc4a01IbWJJYkNxMVV4R0RoZjJKWS1ib3M4XzV4cDVnV2otczlNSDNyY0dWQXByd0RhRUpXRm5jTjBJNU5TSmEwQlAxR3JWZVJ5TnRiTUhZOVpSVjJtM2ZtMDJkczBkOTdQWWNjUQ?oc=5) · Arkansas Business
- 2013-12-03 [John Freeman Named as CEO of Evolve Bank & Trust's Arkansas Banking Group - PR Newswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxQXzBvY0ZidHpOa25wQ0xjb2FIYS1JdVVMQWZPMVRiQzJJTWZLTVBvTXBvdUlKOXZsX1dwbVF5OFBGNmt6TVBpSU5zWTl4ak1yUjRMak5xaVk5LXlKSlpZZ21TbUc4V1BEc0tfaTFKSkNibFk4bWZ3U3ZsNEhVZEFQQldXNHUxbl9TZV9STlZqNmRwNTIxUWRYQnAwQTF3SldDM2lBMlFjLWZHODYtMm5COHl5dzRiRVVmbTU2RDFGSGVSQi1hT1E?oc=5) · PR Newswire
- 2013-06-25 [Highlights From Wallace Fowler’s Path to Liberty Bank - Arkansas Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxNZmNvSGNmNVNPcnhHcDltQzcxa1JMeEZTeVFXdm4yaWxMZjY5NXFnZ1Z2RW1wRDQ0OXJ2Tk1NdHdaMGY5cl9xRzlZNzNSTE9OZ3lGdFI1SWlDQ1FMbXJRX1gxQmZOYkFOWGswNm9FRXh0bVNia0xQS3FTQkxqTC02bkxoUWd6Zm0wTXFfT1ROcFVhYUlEUzQ1T2JB?oc=5) · Arkansas Business
- 2010-02-02 [Photo Release -- New Sport Clips Haircuts Opens in - GlobeNewswire](https://news.google.com/rss/articles/CBMipgJBVV95cUxNeG9HUGpFWTlPZ1QwUnM0Y1hHMW1QVDVnMll1cjBVTUpoRTFFVTJHTEdHV0lidFdZWTJsV01DUXJnaXZaSzQzZTBJYlc0VmwzR3RWWnVNZDRuNzlXQktpcnhaSU5idDlBWEVBdS1yNGhSMHUxT3RyTmU0QUpfRDQzLURqWndNZjFOMmNvZWYyX1BiOGxCNlBvOXR1dzdsSXFVMFJ5S0FsNmYzbjRUM2c2LUo3UWx4Uy1SUTZwc0t0RzZhUHlncXNmVVFMY0tpLWdzcE1QamFHUUJDRWhMMDlGX0pXNG1MVEtTYTZxbmpUQzMzOWM4WXRzUmp6MEM4T3NEQTRuY1l1c3l5QlBsY3JaTnZlazN0cHBlYnRsck1FLW8wVS1xcmc?oc=5) · GlobeNewswire
- 2025-03-17 [Benny Harris Obituary (1948 - 2025) - Russellville, AR - The Courier - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQRm1PZDREUWh4eXVTd2Z6bnZRNExycEU5eFZ0QW1XcTBpeUFaNVZyNHItdkROWmRPRzR6aFNQNWMwWG0zdVdkZm9aa1JUYjVTd0FPX3diVUZMVDBNWTBkRTVmMm1yZU1OaTUtbUdDRVBOUlYtSDZjcW9kc1RoWHF0NmdhdnAwRWVDNkkwVHpqMHo?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3878 (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/38.json (key "3878", 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