Liberty Bank (TX)

Liberty Bank (TX) is headquartered in Hurst and is the 164^th largest bank in the state of Texas. It is also the 2,108^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 65 employees at 7 locations. Liberty Bank (TX) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Liberty Bank FDIC Certificate # 26457 BankRate Report View Year Established 1985 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $309.11 million Loans $213.27 million Deposits $262.74 million Equity Capital $42.84 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $2.04 million Real Estate Owned $3.14 million Historic Data - March 2011 Assets $290.80 million Equity Capital $40.88 million Loan Loss Allowance $2.11 million Unbacked Noncurrent Loans $2.62 million Real Estate Owned $417,000 Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.42% Return on Equity 3.04% Interest Income $3.43 million

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 (TX) had $5.18 million in non-current loans and owned real-estate with $45.59 million in equity and loan loss allowances on hand to cover it. This gives Liberty Bank (TX) a Texas Ratio of 11.36% which is above 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 (TX) increased slightly from 6.15% as of March 31, 2011 to 11.36% as of March 31, 2012, resulting in a negative change of 84.61%. This indicates that the balance sheet and financial strength for Liberty Bank (TX) has declined slightly in recent periods. Deposit Growth In the past year, Liberty Bank (TX) has increased its total deposits by $21.11 million, resulting in 8.74% 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 (TX) 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 (TX) has $309.11 million in assets with $45.59 million in equity, resulting in a capitalization level of 14.75%, which is excellent.

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