Liberty Bank INC
Salt Lake City, Utah · FDIC Cert #26816
Liberty Bank INC is an FDIC-insured bank (Certificate #26816) with $12M in total assets and $11M in total deposits as of the Q2 2024 Call Report. Headquartered in Salt Lake City, Utah, the bank maintains a Tier 1 capital ratio of 20.17% (Well-Capitalized) and a nonperforming loan ratio of 1.18%. BankHealthData assigns a composite Health Grade of A (83/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Liberty Bank INC (FDIC cert 26816) is a community bank — $12M in total assets, $11M in deposits, serving the Salt Lake City, Utah area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.17% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.18% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 41.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -12.69% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Liberty Bank INC carries a composite BankHealth grade of A (83/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Liberty Bank INC
- Total Assets
- $12M
- Total Deposits
- $11M
- Tier 1 Capital Ratio
- 20.17%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.18%
- Liquidity Ratio
- 41.08%
- Return on Assets
- -12.69%
- Headquarters
- Salt Lake City, Utah
- FDIC Certificate
- #26816
- Health Grade
- A (83/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Liberty Bank INC holds a Tier 1 capital ratio of 20.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Liberty Bank INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Liberty Bank INC shows strong financial health indicators. With $12M in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Liberty Bank INC Compares
Liberty Bank INC’s Health Score of 83 is 14 points above the Utah state average of 69 across 41 FDIC-insured banks. Its 20.17% Tier 1 capital ratio is 6.2 points above the US banking industry average near 14%. The 1.18% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -12.69% is below the national ROA benchmark of ~1.1%. Among 58 similarly-sized banks, the average Health Score is 67, meaning this bank ranks above its size cohort. Site-wide, Liberty Bank INC is 13 points above the portfolio average of 70.
Frequently Asked Questions
Liberty Bank INC has a Bank Health Score of A (83/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 20.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Liberty Bank INC's Tier 1 capital ratio of 20.17% and nonperforming loan ratio of 1.18% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Liberty Bank INC is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26816). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Liberty Bank INC holds $12M in total assets and $11M in total deposits. It is headquartered in Salt Lake City, Utah (FDIC Certificate #26816).
Liberty Bank INC has a Tier 1 capital ratio of 20.17%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.18%, and the return on assets is -12.69%.
Yes. Liberty Bank INC is FDIC-insured (Certificate #26816). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Liberty Bank INC's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.