# LIBERTY NATIONAL BANK
ADA, OH · FDIC certificate 6516 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $427.1M | |
| Deposits | $371.2M | |
| Loans and leases | $297.1M | |
| Total equity | $52.0M | |
| Loans / deposits | 78.81% (p62 of band) | 72.27% |
| Liquid assets / assets | 25.34% (p37 of band) | |
| Uninsured deposits / deposits | 32.05% (p65 of band) | 27.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.14% (p87 of band) | 9.98% |
| Unrealized securities loss / equity | -15.11% (p69 of band) | -28.34% |
| AOCI / equity | -11.39% (p65 of band) | |
| ROA (annualized) | 1.03% (p46 of band) | 1.08% |
| Net interest margin | 3.90% (p82 of band) | 3.33% |
| Efficiency ratio | 68.02% (p63 of band) | |
| Noncurrent loans | 0.05% (p22 of band) | 0.24% |
| Net charge-offs (annualized) | 0.00% (p61 of band) | |
| Reserve coverage of noncurrent | 3251.08% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 78.66% (p66 of band) | |
| Auto loans | $160,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.3M (3% of equity) (p93 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 55 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | brokered >10% |  |
| 2014-03 | 4 | wholesale funding >15%, capital falling |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 3 | reserve under noncurrent |  |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | reserve under noncurrent |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 | noncurrent p90 | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 |  | noncurrent p90 |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | brokered >10% | capital falling |
| 2019-09 | 0 |  | brokered >10% |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | deposits shrinking |  |
| 2020-06 | 0 |  | deposits shrinking |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |

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

- 2026-03-02 [Liberty National Bank Board of Directors announces recent promotions - MyParisTexas](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNDRvTmVYNWtLa2lPd0RFN1hRcldkV1pvZDFGdFo3N0tMbFVPM1Z2aEhiWm5Wdzd4RjNFZjlSTzFjOFdybXBHZ2ZWWW1IYmlQb096UlFPT25DN19jczFxRnI5ZWlyTS1hV3NmMnc2Y2NpTnh3X01UQ0NSRmZ0T1hZTWRSbEtkeTZjd19VWC1tVUhMLUZNRUFlNTlR?oc=5) · MyParisTexas
- 2026-06-16 [Drake Appointed to Liberty Board of Directors || Content Sponsored By: Liberty National Bank - eextra.news](https://news.google.com/rss/articles/CBMixAFBVV95cUxQNGQ5cHlmU0lNMFZJNm1mZWRjbU1DblItQ2pJZlcycDd1Z0NBQUkwVERlZFh5QUFTaE43RG9DS0VvYk5BZUZLU3d4NXZhenM0cjhhRW5HNlM3c2s2Sms4VEEyNHprYmpuY3RVVmE2cjBOZk9HVTlId0FTMmlwX2tCNVJDQ0h0czU2WGNZcGZzYllkSGFtaVBxai1EcWlEU1pzRFRIaUk0MEN5SWtkMWFzSHBoTGM0YkxHd1REQzhWYUJnV1FU?oc=5) · eextra.news
- 2022-01-07 [Where it all started: 1316 Liberty Bank Building - McAfee & Taft](https://news.google.com/rss/articles/CBMigAFBVV95cUxPT3dYWUhHb0daY1k1ZVItd3QzUnptS0dONnJ0V0JFM2M2SkVJdnYzMXd3Q1Y0eThjUjFnNlVoMC1mZF9nVmZrS0JVZXNXSi1vZ0dLUGZpNWtRc3d4RkNhTUdPYkluWFdqQndEWG9ETnczOFNuSEs4QXdXSHdxeUJ6TQ?oc=5) · McAfee & Taft
- 2022-12-01 [Middlefield Banking Co.'s acquisition of Liberty National Bank is now complete - Crain's Cleveland](https://news.google.com/rss/articles/CBMisAFBVV95cUxOLW1GSXlTOGlVTGlNb0FXcHFicGRIaTBqNURoVmZmUnRFYndoV0FVWDJESl96dXdwRUl3V2N1X3NpT3B0bVowbHkzNkkzQzVUV1ZNQmNfcjZhNE9IRUszMEN4YXpfM1JYZGFjdmlkTlpDTlRHeVFLcm1Oc0RnR1pVc01GRDJtdm9SRmVLdUUyOXhNNTBWT0JsSXR2YVo1dXAwZXhkQTdOaFpzVENQZWFIRw?oc=5) · Crain's Cleveland
- 2022-11-29 [Liberty National Bank merging with Middlefield Bank - Peak of Ohio](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUFlhcm83ckZDNXlzSXY4ZXhnMzhkanIxb01PMFY2anByZmx2dzdIUUplbUJfREFwd3BneUJsaW5wX0F4ak5YYzI3OW5IVkw1azI4dy01N1ZnOUhYNGtFT1drUk85U18yY2NuRTdsNkxIN3UxTVU5dFp6VDdLZlEwdUJQa0RYWmdSVWNpY0c0eVpuV0Nv?oc=5) · Peak of Ohio
- 2020-09-25 [Savannah Black history found in conversation on Liberty National Bank - Savannah Morning News](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOVzlOSUdfeDdCcTM5Q2dmYmZ0cUdoWkJfcDJ1SFpkZGp3aXBhekN3aHlFR29yMDBBWVNndXJpcHNaQzB0M3lkNzZNZlNaNkxOUTJTdHdJQnhJZUxZRUZFczNPS1pPWGQtdGEtN05jWWFZM3hCMHdMX0I2eXJwWnh1LThReWNzQ3V3bFFGNG12WFJQcS1qYjZBTURvcGVJUm5kMHVlR3pmbjl6bVBYVHl1M2NjSlJ6UlQ0WFdGcmZiOHI2R0JtMlVyN2hNWFg3QmtYaG9fZ0lPd1JlY0lNMUV3?oc=5) · Savannah Morning News
- 2025-02-16 [Cecil Family celebrates 100 years at Liberty National Bank - theparisnews.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQekM4TElJSzNQVVgwR0p4RkJ5d2xCWGQ0WFlZMUdqS0FzcVBxNms4aVV0SlBMRWtwTzFQSWtaajd5d3N0UlRYM0ZVa0M3SUFfb0NlcV9TZll5blZGNXNES2h3R1lXS3lXOGF2WVBzdDBNTzRtd3lFcFFvVW9hNVVtRU9tOFhtTlZZWVpkT2tMcGdrOGNRSEtfYTJnbThNREctbkdhaTlhYmRTdm9VaWQtc3VCMDI0N3hDemliZEV1bXg3MUczalA0bVhOeldVTkhzNXRRTQ?oc=5) · theparisnews.com
- 2019-03-15 [FLN Bank taps new chief administrative officer for customer service - Chron](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVlVSWEM4NVFLa05UYmx5OFkybFR4bUhZWGxQdFdjX1ctUF9weEd1OVFnbVVQRWZmYjJNaGlGaTJtLTMzdFpyNnJ6b0M1bVM4TkpnV01DN3JEOHNFSnU2M2dLbGNjOE1PLTNqd2N4QjJVdmNHaGN1VExxSDJ0UFd1UG1tYzBXR0hQaThDcTdDMnpIdzN4aTdTYV8tRUhVeHA2Yl9jUnZVZ0x6cmsxX291TUhQOV8?oc=5) · Chron

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6516 (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/52.json (key "6516", 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