# LIBERTY BANK OF NEW JERSEY
VERONA, NJ · FDIC certificate 59369 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $107.4M | |
| Deposits | $58.7M | |
| Loans and leases | $3.0M | |
| Total equity | $47.0M | |
| Loans / deposits | 5.06% (p4 of band) | 73.59% |
| Liquid assets / assets | 95.51% (p99 of band) | |
| Uninsured deposits / deposits | 76.29% (p100 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 50.46% (p96 of band) | 11.76% |
| Unrealized securities loss / equity | -0.07% (p90 of band) | -6.57% |
| AOCI / equity | -0.07% (p66 of band) | |
| ROA (annualized) | -2.47% (p2 of band) | 1.17% |
| Net interest margin | 2.22% (p3 of band) | 3.93% |
| Efficiency ratio | 211.61% (p99 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 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 | – | |
| Employees | 16 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2026-03 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2026-06 | 4 |  |  |

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

- 2026-04-07 [The O’Toole Chronicles: American Spirit - New Jersey Globe](https://news.google.com/rss/articles/CBMid0FVX3lxTE5vNENLdklvbXdEbEhhVUxSRFN0NS1Zd3hxSlpvVjliVkJOd0RYYjU3TzBjbi1ydkxabGFRbVU1S0cxekJoaHBLQjVfYm5QSW43RHhWcW5OcEZ4UUlCTFl3elBwUFpmTkZHNkhCd2xLdW96LUdjaU9Z?oc=5) · New Jersey Globe
- 2026-08-20 [Eduardo Lopez Appointed to Totowa Board of Education Following Dan Palazzo’s Resignation - TAPinto](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPb1hyOWxrYS04X2c4bVhzbS1nLW1YbjhxVmxoNVU3SmZ1QVNQVGlsaTRiT2lxVmNGSlR4R1gxdzNhZnRnZVRYV1pTanEwMVRHWjhidTE0RjVZTzNxck5ZcFk2cVVSZjB5U1dJVjNfNW1IenFYNzEwckp6Mzc3MEFvelJwYi05UFZ2eXdhczNTTDdOV2hUM3VrSXliemhfbG1HWV9uVDBMYmxKTURNamh5VHZrTno5YWk3ekJYbjJvNEkzU3k2T2ZEa3pMb2VaVFhkSHY5WE9JOVNXenZHQkVTNlJqakNtaS1t?oc=5) · TAPinto
- 2025-03-11 [Exclusive: Liberty Bank of New Jersey files for charter - NJBIZ](https://news.google.com/rss/articles/CBMifkFVX3lxTE9NVFNleWhDRDNac3cxTUl0UVNNNm5XRjNpR21ET0xpWUp2NHNxZUMweDAwaDVaQklNRUlWNTE5ekFQVHhTZGtXa2FYQzhaU1k3NXd4dE1YQ1NGRk5rWTNMOUI4SnZhSUJ0d3ExSG9zeXpnTTBJZ3UxV3JFVllRZw?oc=5) · NJBIZ
- 2026-04-05 [ROI Influencers: Banking 2026 — Richard Spengler - ROI-NJ](https://news.google.com/rss/articles/CBMimgFBVV95cUxOdmNqaXlKeDdkWU5ydHl5b0FpRnhPTWRMZmtqOHFITXVRajBvbnpkb2YzOGpwazFUQXNHYXhMTExOUXJJOGN0VUZfX2pQSmI0N1JwU1BBY0Y0TWhuckZQd3FpVWpidENLbXpZSVozbkxvdzB5bllFRVg2RlEwLVRWUk1EdjcyanUzVWQwb00yZU5uNFh3S01iM2Rn?oc=5) · ROI-NJ
- 2026-04-06 [ROI-NJ presents the ROI Influencers: Banking 2026 - ROI-NJ](https://news.google.com/rss/articles/CBMivAFBVV95cUxQWVlPa1JuQUliN1pudTZXZHdOb0xJeUtra3lKWi1HVFlKd3FMVmQzVF84T0o5NFlQTmpfX1ptSGFOYXpyOVBYOUtuamdjbFNhbjBRSVZhd1lyLXVwX0IwSXhuRENBbWd4bEZ6ZmxETGpXcmtiOXNadFd1TUhFVEZzMzU5TjBDN3NIS1JMTFY2bGF5Ull3TDhiQllPOXgxZnViLUkwNFg5MEQtOUtVeHZncFFvTUs1c090NDJCeg?oc=5) · ROI-NJ
- 2025-05-02 [Mid Penn wraps $120M William Penn merger, eyes growth - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE82RWFoYVVESDRQYUI0LWMxOFlLWHBCSElNMDJxbzdxRUNfZHo2a01taW1zODFFQzRhb0ZyQnVLcFhlSGczc09mNzVjaDV1aTlOLXVSdjZyNklPVU5Jdm9KX0pIVE9iOTJtVVJtcm1adlNPeXFUWFE?oc=5) · NJBIZ

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59369 (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/41.json (key "59369", 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