Average User Rating:
3 star rating based on 1 review.

Liberty National Bank

118 South Main Street
Ada, OH 45810
419-634-5015
www.lnbbank.com

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Liberty National Bank is headquartered in Ada and is the 87^th largest bank in the state of Ohio. It is also the 2,916^st largest bank in the nation. It was established in 1893 and as of December of 2012, it had grown to 63 employees at 5 locations. Liberty National Bank has a 4-star health rating.

Liberty National Bank Routing Number: 041215883

Liberty National Bank (OH) ... Tough RCA Offer (Forum) - 11/24/2012

The SuperSmart Checking used to be one of the rare (4%, $25K) members. Now with (3.01%, $25K), one needs to make 25 debit card transactions to get the rate and 40 debit card transactions to waive the $8 monthly fee. Not so smart any

Liberty National Bank Dropped Their SuperSmart RCA Rate... (Forum) - 2/1/2012

from (4.01%, $25K) to (3.01%, $25K). Only two (4%, $25K) club members left.

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

Liberty National Bank Checking Account Rates

Apy	Min	Max	Product
3.01%	-	$25k	SuperSmart Checking
1.50%	-	$15k	Smart Checking

Liberty National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	Investment Savings Account

Liberty National Bank Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Money Market Account

Liberty National Bank CD Rates

Apy	Min	Max	Product
0.55%	$5k	-	35 Month CD Special
0.50%	$5k	-	27 Month CD Special
0.45%	$25k	-	4 Year CD
0.35%	$25k	-	3 Year CD
0.30%	$5k	-	12 Month CD Special
0.25%	$25k	-	2 Year CD
0.20%	$25k	-	18 Month CD
0.15%	$25k	-	1 Year CD
0.10%	$25k	-	30 - 89 Day CD
0.10%	$25k	-	90 - 179 Day CD
0.10%	$25k	-	180 - 364 Day CD

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

Liberty National Bank
FDIC Certificate #	6516
BankRate Report	View
Year Established	1893
Employees	63
Primary Regulator	OCC
Assets and Liabilities
Assets	$216.07 million
Loans	$146.82 million
Deposits	$178.24 million
Equity Capital	$22.79 million
Loan Loss Allowance	$1.76 million
Unbacked Noncurrent Loans	$3.45 million
Real Estate Owned	$199,000
Historic Data - December 2011
Assets	$203.20 million
Equity Capital	$22.16 million
Loan Loss Allowance	$1.82 million
Unbacked Noncurrent Loans	$3.82 million
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	0.7%
Return on Equity	6.56%
Interest Income	$8.85 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 December 31, 2012 Liberty National Bank had $3.64 million in non-current loans and owned real-estate with $24.55 million in equity and loan loss allowances on hand to cover it. This gives Liberty National Bank a Texas Ratio of 14.85% 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 National Bank held steady from 15.93% as of December 31, 2011 to 14.85% as of December 31, 2012, resulting in a positive change of 6.80%.This indicates that the balance sheet and financial strength for Liberty National Bank has held steady in recent periods.
Deposit Growth
In the past year, Liberty National Bank has increased its total deposits by $14.54 million, resulting in 8.88% 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 National Bank 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 National Bank has $216.07 million in assets with $24.55 million in equity, resulting in a capitalization level of 11.36%, which is above average.