Liberty Federal Savings and Loan Association

Liberty Federal Savings and Loan Association Locations

401 N Howard St
Baltimore, MD 21201
(410) 752-3070
www.libfed.com

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Liberty Federal Savings and Loan Association is headquartered in Baltimore and is the 79^th largest bank in the state of Maryland. It is also the 6,478^th largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 13 employees at 2 locations. Liberty Federal Savings and Loan Association's savings rates are 15% higher than the national average, and it has a 4-star health rating.

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

Liberty Federal Savings and Loan Association Checking Account Rates

Apy	Min	Max	Product
0.65%	$25k	-	Elite Checking Account
0.25%	$300	-	NOW Checking Account
0.25%	$50	-	Bonus 50 Checking Account

Liberty Federal Savings and Loan Association Savings Account Rates

Apy	Min	Max	Product
0.60%	$1k	-	Super Savings
0.50%	$100	-	Statement Savings
0.30%	$50	-	IRA Statement Savings
0.30%	$50	-	Roth IRA Statement Savings
0.30%	$50	-	SEP IRA Statement Savings
0.25%	$100	-	Passbook Savings
0.25%	-	-	Christmas Savings
0.25%	-	-	Minor Savings

Liberty Federal Savings and Loan Association Money Market Rates

Apy	Min	Max	Product
0.60%	$25k	-	Money Market Passbook Savings
0.60%	$25k	-	Money Market Checking

Liberty Federal Savings and Loan Association CD Rates

Apy	Min	Max	Product
1.61%	$500	-	84 Month CD
1.51%	$500	-	60 Month CD
1.26%	$500	-	48 Month CD
1.11%	$2,500	-	37 Month Step Up CD
1.01%	$500	-	36 Month CD
1.01%	$2,500	-	25 Month Step Up CD
0.95%	$2,500	-	19 Month Step Up CD
0.85%	$500	-	24 Month CD
0.70%	$500	-	18 Month CD
0.65%	$5k	-	15 Month CD
0.50%	$500	-	12 Month CD
0.50%	$1k	-	91 Day CD
0.50%	$1k	-	6 Month CD

Liberty Federal Savings and Loan Association IRA Rates

Apy	Min	Max	Product
1.61%	$500	-	84 Month IRA
1.61%	$500	-	84 Month Roth IRA
1.61%	$500	-	84 Month SEP IRA
1.51%	$500	-	72 Month IRA
1.51%	$500	-	72 Month Roth IRA
1.51%	$500	-	72 Month SEP IRA
1.26%	$500	-	60 Month IRA
1.26%	$500	-	60 Month Roth IRA
1.26%	$500	-	60 Month SEP IRA
1.11%	$500	-	48 Month IRA
1.11%	$500	-	48 Month Roth IRA
1.11%	$500	-	48 Month SEP IRA
1.01%	$500	-	36 Month IRA
1.01%	$500	-	36 Month Roth IRA
1.01%	$500	-	36 Month SEP IRA
0.85%	$500	-	24 Month IRA
0.85%	$500	-	24 Month Roth IRA
0.85%	$500	-	24 Month SEP IRA
0.70%	$100	-	18 Month IRA
0.70%	$100	-	18 Month Roth IRA
0.70%	$100	-	18 Month SEP IRA
0.50%	$100	-	12 Month IRA
0.50%	$100	-	12 Month Roth IRA
0.50%	$100	-	12 Month SEP IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Liberty Federal Savings and Loan Association
OTS #	04400
FDIC Certificate #	29945
BankRate Report	View
Year Established	1954
Employees	13
Primary Regulator	OCC
Assets and Liabilities
Assets	$46.29 million
Loans	$28.19 million
Deposits	$39.85 million
Equity Capital	$6.41 million
Loan Loss Allowance	$632,000
Unbacked Noncurrent Loans	$614,000
Real Estate Owned	$673,000
Historic Data - March 2011
Assets	$47.64 million
Equity Capital	$6.03 million
Loan Loss Allowance	$585,000
Unbacked Noncurrent Loans	$1.04 million
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	-0.19%
Return on Equity	-1.37%
Interest Income	$506,000

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 Federal Savings and Loan Association had $1.29 million in non-current loans and owned real-estate with $7.04 million in equity and loan loss allowances on hand to cover it. This gives Liberty Federal Savings and Loan Association a Texas Ratio of 18.28% 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 Federal Savings and Loan Association held steady from 15.75% as of March 31, 2011 to 18.28% as of March 31, 2012, resulting in a negative change of 16.06%. This indicates that the balance sheet and financial strength for Liberty Federal Savings and Loan Association has held steady in recent periods.
Deposit Growth
In the past year, Liberty Federal Savings and Loan Association has increased its total deposits by $612,000, resulting in 1.56% 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 Federal Savings and Loan Association has shown is above average.
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 Federal Savings and Loan Association has $46.29 million in assets with $7.04 million in equity, resulting in a capitalization level of 15.21%, which is excellent.

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