Institution Statistics
| Liberty Bank of Arkansas | | FDIC Certificate # | 3878 | | BankRate Report | View | | Year Established | 1920 | | Employees | 594 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $2.79 billion | | Loans | $1.76 billion | | Deposits | $2.15 billion | | Equity Capital | $357.60 million | | Loan Loss Allowance | $32.18 million | | Unbacked Noncurrent Loans | $24.57 million | | Real Estate Owned | $35.14 million |
Historic Data - March 2011 | | Assets | $2.59 billion | | Equity Capital | $353.36 million | | Loan Loss Allowance | $26.66 million | | Unbacked Noncurrent Loans | $18.75 million | | Real Estate Owned | $36.68 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.74% | | Return on Assets | 0.76% | | Return on Equity | 5.87% | | Interest Income | $28.58 million |
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Institution Health
Overall Score:
4 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 of Arkansas had $59.71 million in non-current loans and owned real-estate with $389.77 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank of Arkansas a Texas Ratio of 15.32% which is 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 of Arkansas held steady from 14.59% as of March 31, 2011 to 15.32% as of March 31, 2012, resulting in a negative change of 5.03%. This indicates that the balance sheet and financial strength for Liberty Bank of Arkansas has held steady in recent periods. | | Deposit Growth |  | | In the past year, Liberty Bank of Arkansas has increased its total deposits by $183.14 million, resulting in 9.29% 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 of Arkansas 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. Liberty Bank of Arkansas has $2.79 billion in assets with $389.77 million in equity, resulting in a capitalization level of 13.97%, which is excellent. |
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Average User Rating:
Stealing From Their Customer!
Liberty Bank is known for over charging it's customers overdraft fees. How can this be, one might ask. Let's say an individual has four transactions that show online as being an overdraft. Liberty Bank will charge them for five instead of four. Liberty Bank will ALWAYS take the largest transaction on a single day and post it first. Check 2458 for $10.38 was received before check 2463 for $458.90. However, Liberty Bank will ALWAYS post the $458.90 first hoping to cause an overdraft and charging that customer.
Anybody wanting a good bank that does NOT do such things should go to Arvest Bank. They try to help the customer by applying the lowest amount first and plus their overdraft charge is almost 1/2 the price of Liberty Bank. That's right, Liberty Bank charges $31 while Arvest only charges $16-$18. Get the picture??????
Liberty Banks steals from it's customers. GO SOMEWHERE ELSE!!!!!!
Teresa Crawley