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Overview / Commentary
8100 Shoal Creek Blvd.
Austin, TX 78757

Libertad Bank is headquartered in Austin and is the 450th largest bank in the state of Texas. It is also the 5,716st largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 10 employees at 1 location. Libertad Bank's money market rates are 2X the national average, and it has a A health rating.

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Money Market Special with Guaranteed Rate for Texas Residents at Libertad Bank - 6/10/2014

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Libertad Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Libertad Bank had $267,000 in non-current loans and owned real-estate with $7.42 million in equity and loan loss allowances on hand to cover it. This gives Libertad Bank a Texas Ratio of 3.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Libertad Bank decreased slightly from 5.00% as of March 31, 2013 to 3.60% as of March 31, 2014, resulting in a positive change of 27.98%.This indicates that the balance sheet and financial strength for Libertad Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Libertad Bank has increased its total deposits by $13.38 million, resulting in 39.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Libertad Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Libertad Bank has $59.97 million in assets with $7.42 million in equity, resulting in a capitalization level of 12.37%, which is excellent.

Institution Statistics

FDIC Certificate #58082
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$59.97 million
Loans$43.26 million
Deposits$47.66 million
Equity Capital$6.89 million
Loan Loss Allowance$532,000
Unbacked Noncurrent Loans$70,000
Real Estate Owned$197,000
Historic Data - March 2013
Assets$44.78 million
Equity Capital$6.08 million
Loan Loss Allowance$548,000
Unbacked Noncurrent Loans$70,000
Real Estate Owned$68,000
Profit Margin - Quarterly
Net Interest Margin3.84%
Return on Assets3.9%
Return on Equity34.25%
Interest Income$666,000

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Libertad Bank Savings Account Rates

0.15%--Savings Account

Libertad Bank Money Market Rates

1.00%$100k-Money Market Account

Libertad Bank Checking Account Rates

0.15%--Premier Checking

Libertad Bank CD Rates

1.00%$10k-12 Month CD
1.00%$1k-24 Month CD
0.90%$1k-18 Month CD
0.75%$10k-6 Month CD
0.25%$10k-3 Month CD
0.10%$1k-1 Month CD

Libertad Bank Locations
Main Branch8100 Shoal Creek Blvd.Austin, Texas 78757