Liberty Bank&Trust Co
New Orleans, Louisiana · FDIC Cert #20856
Liberty Bank&Trust Co is an FDIC-insured bank (Certificate #20856) with $1.1B in total assets and $934M in total deposits as of the Q2 2024 Call Report. Headquartered in New Orleans, Louisiana, the bank maintains a Tier 1 capital ratio of 15.65% (Well-Capitalized) and a nonperforming loan ratio of 1.22%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Liberty Bank&Trust Co (FDIC cert 20856) is a mid-sized bank with $1.1B in total assets and $934M in deposits, based in New Orleans, Louisiana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 15.65% 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 1.22% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 36.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.27% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Liberty Bank&Trust Co carries a composite BankHealth grade of A (90/100) 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&Trust Co
- Total Assets
- $1.1B
- Total Deposits
- $934M
- Tier 1 Capital Ratio
- 15.65%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.22%
- Liquidity Ratio
- 36.48%
- Return on Assets
- 1.27%
- Headquarters
- New Orleans, Louisiana
- FDIC Certificate
- #20856
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Liberty Bank&Trust Co holds a Tier 1 capital ratio of 15.65%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Liberty Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Liberty Bank&Trust Co shows strong financial health indicators. With $1.1B in assets and a Health Score of 90/100, 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&Trust Co Compares
Liberty Bank&Trust Co’s Health Score of 90 is 27 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 15.65% Tier 1 capital ratio is 1.6 points above the US banking industry average near 14%. The 1.22% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.27% is in line with or above the national ROA benchmark of ~1.1%. Among 992 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, Liberty Bank&Trust Co is 20 points above the portfolio average of 70.
Frequently Asked Questions
Liberty Bank&Trust Co has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.65%, 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&Trust Co's Tier 1 capital ratio of 15.65% and nonperforming loan ratio of 1.22% 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&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #20856). 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&Trust Co holds $1.1B in total assets and $934M in total deposits. It is headquartered in New Orleans, Louisiana (FDIC Certificate #20856).
Liberty Bank&Trust Co has a Tier 1 capital ratio of 15.65%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.22%, and the return on assets is 1.27%.
Yes. Liberty Bank&Trust Co is FDIC-insured (Certificate #20856). 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&Trust Co'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.