Is Liberty Bank Safe?
Liberty Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (66/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.48% | 100/100 |
| Nonperforming Loan Ratio | 0.15% | 97/100 |
| Liquidity Ratio | 21.40% | 66/100 |
| Return on Assets | 2.34% | 100/100 |
| Total Assets | $0.1B | |
How does Liberty Bank compare?
With a Bank Health Score of 90/100, Liberty Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Liberty Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 17.48% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.15% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Liberty Bank's Bank Health Score fell by 5.0 points to 90/100. Tier 1 capital weakened by 1.92 percentage points to 17.48%. Quarter-over-quarter, the score fell by 2.0 points.
Liberty Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (66/100).