Libertad Bank

512 East Riverside Drive Suite 100
Austin, TX 78704
512-693-3600
www.libertadbank.com

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Libertad Bank is headquartered in Austin and is the 524^th largest bank in the state of Texas. It is also the 6,472^nd largest bank in the nation. It was established in 2006 and as of December of 2012, it had grown to 11 employees at 1 location. Libertad Bank's money market rates are 3X the national average, and it boasts a 5-star health rating.

Texas Money Market and CD Specials with Top Rates at Libertad Bank - 5/16/2013

For much of the last year Libertad Bank had been offering a great 18-month CD deal. That has ended, but it now has new deals that are even better, especially for those who don’t like to lock into CDs. ...

Libertad Bank - 1.50% APY Money Market Account For New Money >$10,000 Balance (Forum) - 5/15/2013

I just saw this promotion on the website for Libertad Bank in Austin, Texas.

Top 18-Month CD Rate at Libertad Bank - Texas Only - 10/23/2012

Libertad Bank continues to offer a good CD deal. It's not as good as the special it was offering earlier this year, but it's still a very competitive deal. The new special is an 18-month CD with a 1.2 ...

Top 1-Year & 15-Month CD Rates at Libertad Bank - Texas Only - 5/30/2012

Libertad Bank continues to offer two very competitive CD deals. The best one is a 15-month CD with a 1.50% APY. The other one is a 1-year CD with a 1.20% APY. Minimum deposit is $1,000, and the maximu ...

2012

3/8 - Libertad Bank 1.50% APY 15 Month CD And Money Market (Forum)

2011

5/3 - Top 1-Year CD and Money Market Rates at Libertad Bank in Austin Texas - Local Only

2009

11/17 - FDIC is Now Forcing Rate Cuts to Reward Checking Accounts

2008

11/6 - Expired - Reward Checking Account at Libertad Bank in Texas

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See Rates for: Checking | Savings | Money Market | CD

Libertad Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Premier Checking

Libertad Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Savings Account

Libertad Bank Money Market Rates

Apy	Min	Max	Product
1.50%	$10k	-	High Interest Rate Money Market Account
1.00%	$100k	-	Money Market Account

Libertad Bank CD Rates

Apy	Min	Max	Product
1.50%	$1k	-	15 Month Texas CD Special (New Money Only)
1.50%	$1k	-	15 Month CD
1.35%	$10k	-	24 Month CD
1.25%	$1k	-	18 Month CD
1.00%	$10k	-	12 Month CD
0.75%	$10k	-	6 Month CD
0.25%	$10k	-	3 Month CD
0.10%	$1k	-	1 Month CD

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

Libertad Bank SSB
FDIC Certificate #	58082
BankRate Report	View
Year Established	2006
Employees	11
Primary Regulator	FDIC
Assets and Liabilities
Assets	$41.14 million
Loans	$32.69 million
Deposits	$31.81 million
Equity Capital	$6.04 million
Loan Loss Allowance	$580,000
Unbacked Noncurrent Loans	$173,000
Real Estate Owned	$68,000
Historic Data - December 2011
Assets	$36.05 million
Equity Capital	$6.02 million
Loan Loss Allowance	$562,000
Unbacked Noncurrent Loans	$175,000
Real Estate Owned	$1.02 million
Profit Margin - Quarterly
Net Interest Margin	4.51%
Return on Assets	0.09%
Return on Equity	0.58%
Interest Income	$2.10 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Libertad Bank had $241,000 in non-current loans and owned real-estate with $6.62 million in equity and loan loss allowances on hand to cover it. This gives Libertad Bank a Texas Ratio of 3.64% 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 significantly from 18.21% as of December 31, 2011 to 3.64% as of December 31, 2012, resulting in a positive change of 80.00%.This indicates that the balance sheet and financial strength for Libertad Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Libertad Bank has increased its total deposits by $4.24 million, resulting in 15.36% 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.
Capitalization
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 $41.14 million in assets with $6.62 million in equity, resulting in a capitalization level of 16.08%, which is excellent.

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