Liberty Bank for Savings Safety Rating
Liberty Bank for Savings's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #642 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Liberty Bank for Savings's best component is Tier 1 capital (100/100) and its weakest is profitability (23/100).
This page answers a common banking-safety question: Liberty Bank for Savings Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Liberty Bank for Savings Safety Rating Breakdown
- Overall rating
- Grade A (91/100)
- National rank
- #642 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 97/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 23/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Liberty Bank for Savings among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 16% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 50.40% | 100/100 |
| Nonperforming Loan Ratio | 0.16% | 97/100 |
| Liquidity Ratio | 31.73% | 100/100 |
| Return on Assets | 0.08% | 23/100 |
| Total Assets | $0.8B | |
How does Liberty Bank for Savings compare?
With a Bank Health Score of 91/100, Liberty Bank for Savings sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Liberty Bank for Savings ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 50.40% 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 0.16% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Liberty Bank for Savings's Bank Health Score fell by 1.0 points to 91/100. Tier 1 capital weakened by 1.50 percentage points to 50.40%.
Frequently Asked Questions
Liberty Bank for Savings's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #642 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Liberty Bank for Savings's best component is Tier 1 capital (100/100) and its weakest is profitability (23/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Liberty Bank for Savings: Tier 1 capital scores 100/100, loan quality 97/100, liquidity 100/100, and profitability 23/100 — combining to 91/100 (grade A).
Liberty Bank for Savings's Bank Health Score of 91/100 is 19.0 points above the Illinois state average of 72/100. 333 FDIC-insured banks are headquartered in Illinois.
Yes. Liberty Bank for Savings (FDIC certificate #29009) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Liberty Bank for Savings
Liberty Bank for Savings's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #642 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Liberty Bank for Savings's best component is Tier 1 capital (100/100) and its weakest is profitability (23/100).