Liberty Bank, F.S.B.

6139 Ashworth Road
West Des Moines, IA 50266
515-222-0731
www.libertybankiowa.com

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Liberty Bank, F.S.B. is headquartered in West Des Moines and is the 37^th largest bank in the state of Iowa. It is also the 1,738^th largest bank in the nation. It was established in 1972 and as of December of 2012, it had grown to 134 employees at 13 locations. Liberty Bank, F.S.B. has a 1-star health rating.

CD Specials with Top Rates at Liberty Bank in IA & Southwest FL - Local Only - 4/7/2011

Liberty Bank is offering two CD specials with very competitive rates. The first is a 3.00% APY 5-year CD and the second is a 2.13% APY 23-month CD. Minimum deposit is $10,000. Rates are 10 basis point ...

4.50% 11-Month CD at Liberty Bank in Southwest Florida - 11/17/2008

Liberty Bank is offering a special 4.50% APY 11-month CD. The minimum deposit is $10,000. This CD doesn't seem to be listed at the bank's website. A reader mentioned this bank a couple of days ago, and I just called for additional info. According to the...

4.91% 14-Month CD at Liberty Bank in Florida - 10/7/2008

Update 10/23/08: The 14-month CD yield has fallen to 4.41% APY. Please check with the bank for the latest rates.Liberty Bank is offering a special 4.91% APY 14-month CD. The minimum deposit is $10,000. This CD doesn't seem to be listed at the bank's...

4.00% 8-Month / 4.00% 16-Month CD at a Southwest Florida Bank (Liberty). - 3/4/2008

Update 3/22/08: This CD special may have ended. Please check with the bank for the latest specials.Liberty Bank is offering a CD special with a yield of 4.00% APY for terms of either 8 or 16 months. The minimum deposit is $10,000. An additional 10 basis...

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

Liberty Bank, F.S.B. Checking Account Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Star Checking

Liberty Bank, F.S.B. Savings Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	Individual Retirement Savings Account
0.20%	-	-	Savings Account
0.20%	-	-	Business Savings Accounts

Liberty Bank, F.S.B. Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	High Performance Business Money Market
0.35%	$100k	-	High Performance Money Market

Liberty Bank, F.S.B. CD Rates

Apy	Min	Max	Product
1.12%	$10k	-	60 Month CD
0.90%	$10k	-	48 Month CD
0.68%	$10k	-	36 Month CD
0.56%	$10k	-	24 Month CD
0.56%	$10k	-	13 Month CD Special
0.47%	$10k	-	18 Month CD
0.39%	$10k	-	12 Month CD
0.28%	$10k	-	6 Month CD
0.10%	$10k	-	3 Month CD

Liberty Bank, F.S.B. IRA Rates

Apy	Min	Max	Product
0.68%	$10k	-	36 Month IRA
0.56%	$10k	-	24 Month IRA
0.39%	$10k	-	12 Month IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

Liberty Bank, F.S.B.
OTS #	15717
FDIC Certificate #	20594
BankRate Report	View
Year Established	1972
Employees	134
Primary Regulator	OCC
Assets and Liabilities
Assets	$380.15 million
Loans	$199.70 million
Deposits	$330.51 million
Equity Capital	$22.07 million
Loan Loss Allowance	$13.52 million
Unbacked Noncurrent Loans	$30.11 million
Real Estate Owned	$17.36 million
Historic Data - December 2011
Assets	$934.11 million
Equity Capital	$21.57 million
Loan Loss Allowance	$22.95 million
Unbacked Noncurrent Loans	$57.13 million
Real Estate Owned	$37.27 million
Profit Margin - Quarterly
Net Interest Margin	2%
Return on Assets	0.03%
Return on Equity	0.78%
Interest Income	$18.57 million

Institution Health

Overall Score:

1 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 Liberty Bank, F.S.B. had $47.47 million in non-current loans and owned real-estate with $35.58 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank, F.S.B. a Texas Ratio of 133.40% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Liberty Bank, F.S.B. decreased slightly from 212.04% as of December 31, 2011 to 133.40% as of December 31, 2012, resulting in a positive change of 37.09%.This indicates that the balance sheet and financial strength for Liberty Bank, F.S.B. has improved slightly in recent periods.
Deposit Growth
In the past year, Liberty Bank, F.S.B. has decreased its total deposits by -$513.07 million, resulting in -60.82% 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 Liberty Bank, F.S.B. has shown is poor.
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. Liberty Bank, F.S.B. has $380.15 million in assets with $35.58 million in equity, resulting in a capitalization level of 9.36%, which is average.