Liberty Bank, National Association

Liberty Bank, National Association is headquartered in Twinsburg and is the 89^th largest bank in the state of Ohio. It is also the 3,032^nd largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 47 employees at 3 locations. Liberty Bank, National Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Liberty Bank, National Association FDIC Certificate # 33135 BankRate Report View Year Established 1990 Employees 47 Primary Regulator OCC Assets and Liabilities Assets $207.09 million Loans $166.76 million Deposits $183.87 million Equity Capital $22.55 million Loan Loss Allowance $4.83 million Unbacked Noncurrent Loans $8.82 million Historic Data - March 2011 Assets $227.32 million Equity Capital $19.95 million Loan Loss Allowance $3.97 million Unbacked Noncurrent Loans $7.67 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.08% Return on Equity 0.73% Interest Income $2.49 million

Institution Health Overall Score: 3 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 March 31, 2012 Liberty Bank, National Association had $8.82 million in non-current loans and owned real-estate with $27.37 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank, National Association a Texas Ratio of 32.23% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Liberty Bank, National Association held steady from 30.36% as of March 31, 2011 to 32.23% as of March 31, 2012, resulting in a negative change of 6.19%. This indicates that the balance sheet and financial strength for Liberty Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Liberty Bank, National Association has decreased its total deposits by -$21.99 million, resulting in -10.68% 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, National Association 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, National Association has $207.09 million in assets with $27.37 million in equity, resulting in a capitalization level of 13.22%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.