# LIBERTY NATIONAL BANK
SIOUX CITY, IA · FDIC certificate 57505 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $624.4M | |
| Deposits | $457.3M | |
| Loans and leases | $468.8M | |
| Total equity | $104.1M | |
| Loans / deposits | 101.49% (p91 of band) | 82.04% |
| Liquid assets / assets | 12.60% (p10 of band) | |
| Uninsured deposits / deposits | 32.67% (p74 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.67% (p76 of band) | |
| FHLB advances / assets | 9.67% | |
| Tier 1 leverage | 10.31% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -1.52% (p83 of band) | -8.10% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 1.26% (p49 of band) | 1.28% |
| Net interest margin | 4.07% (p58 of band) | 3.91% |
| Efficiency ratio | 55.46% (p32 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 78% | |
| Construction % of loans | 33.58% (p41 of band) | |
| Auto loans | $569,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.2% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## 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 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 3 | wholesale funding >15%, capital falling |  |
| 2017-09 | 1 |  | loans exceed deposits, capital falling |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | loans exceed deposits |  |
| 2020-12 | 0 |  | loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | NIM <2.5% |  |
| 2022-12 | 3 | reserve under noncurrent |  |
| 2023-03 | 4 | charge-offs p90, deposits shrinking, uninsured deposits leaving | NIM <2.5%, reserve under noncurrent |
| 2023-06 | 2 |  | capital falling, charge-offs p90 |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | loans exceed deposits |  |
| 2024-12 | 1 | capital falling | loans exceed deposits |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 1 | loans exceed deposits |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | deposits shrinking |  |
| 2026-03 | 1 |  | deposits shrinking |
| 2026-06 | 1 |  |  |

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

- 2022-10-25 [Movers & Shakers - SiouxFalls.Business](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBXb19aTmxWVFVxS3p0ai1Nc1lfTlNEb0txTWVMQVJJcVlpVW5XdWxHX0E4Y3U0SndxSXR4ekZOZGZVb0R6VVcxY0k0TmNOMnA4aGlVQ1FLVzM?oc=5) · SiouxFalls.Business
- 2013-05-09 [Liberty National Bank Holds Open House, Grand Opening of Downtown Facility - KSWO 7News](https://news.google.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?oc=5) · KSWO 7News
- 2023-07-02 [Liberty National Bank announces new Lawton market president - The Lawton Constitution](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOWHdXR1Q1S1NjaFZfTHlCNThBekpvekFtd2RzRGxmS2JIaXYyS2EyLVg1ZjRPRUhRNE84R2NSTVI5NXlvRGZvdFdVLUVzdE5wS05sRW8yMkx0ZmJrRk1fZ0hKUFV1QnpJdWlldWZnSFNCbmZpT19qQWsxX0xNSVQwS0d1c3pYS3ZYU1lkcURYTkItYzBpVmtzWWJkZ2NfcUFkWTBLOWpFRG1tMGgtMlZXNTlmMUFJYnhha1VYV1RtdnZMc3htZ2EzRkxfZHg4SzNFZzM1VnYyd2R4OGZoTVM1U1dR?oc=5) · The Lawton Constitution
- 2019-11-06 [Don H. Vaudt Obituary Nov 6, 2019 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1UdTJUdkxXcUl1SV9HVlVfYmNaNy00bTFPa1UxM3IxSXBIRnFWTS13NlFZQXVwX0RhYUU1TFJXUkEtRlRMelhpMjhzV3hlLXpidEs4eGdDaTRjRDJIYWs0eVc0dw?oc=5) · Meyer Brothers Funeral Homes
- 2025-01-29 [Marquis Who's Who Honors Brandon S. Krotz, CLBB, for Expertise in Banking and Credit Services - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPanQ1eWw5T3JqQ0lsMlhaUTZNUjFOSFhLc0tnZmJKSGJ5VDFXc0NXY1JRYVgyS1JrRWEtbTRLTVNUMkRDVk42YVF6TUpFNC1aRjUySzBYblBVel9KekIzaEw0TlFVaW5pb21EY2NLbVladzdOWVlzYTNSTWdnbGxNT2EydHp4Z2xiVEdHVEh4NzdnUy1TTDI3OVBIclJiSTlEN3Rhb0x4dllZSVFhMGlpYmFwOEkwdlZURE5TallXX3hjX1NCREhUenI4SW5XaHlFQUdpN1IyTXpmN2s?oc=5) · 24-7 Press Release Newswire
- 2023-10-22 [Okoboji teen injured in hunting accident, community rallies in support - KTIV](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNzY3RVdaT2hwRHd6VG9JTzF1alhnSFNLSlRIb2t4UVQwZ3ZhVjVpcEl0VE5mbUNMb0dBOVR1VHFqM29xNXhnekdYNHlyMlM5LXJnQXdpTVRVRG9BTkFzeUNXSS1uWFdLQmxBUlFJQ2x1RjhPR1JOZU5wcGR4S0hTNk84ZnB2dXhHTk8tNGJtTERIaUlKZ1l5bmdBMmQ?oc=5) · KTIV
- 2024-01-29 [Okoboji Summer Theatre Announces Line-Up for 66th Season - Northwest Iowa Now](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTGpydkpYMi1iRGtkQkU5VDdMd2ExX1VkUnp1REdRVVhUa25BM2lWblRJSWw1WTVUSVIwTHZMLTY3alVmdXhuUlYxS0lKbERnYlZJMnl5T2IwRFNULUdtaXFUMTFRX0JCdXdfMlBhbFlMeXJmZHdWNWlMVG9Rb2k0U3pYNWJ1VWhob0tlbVNMZ0R3UXYzMDBPRDg0dHpNSXduOWVNS1VlQnk?oc=5) · Northwest Iowa Now
- 2006-03-05 [Janice Wright Obituary (2006) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOSEhkVFhqd0lFWG9yc3RDZXhIakQ0amU3YXBPaUU1M2I1bVFkaXhPWThfcDFnSDBWTzR5VEVfekxJYjdCRFF6UnJkdzlyR0x4SmQ1dEN2TlE4a1I3cUxGcW5GblY5MzlkaDc3MFVzaWZqbG5pNG1XRjdjcUFJQUZXUXlTdmVoT1lGWm1VMGc2cW5rMlk?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57505 (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/33.json (key "57505", 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