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Overview / Commentary
118 South Main Street
Ada, OH 45810

Liberty National Bank is headquartered in Ada and is the 80th largest bank in the state of Ohio. It is also the 2,603rd largest bank in the nation. It was established in 1893 and as of June of 2014, it had grown to 57 employees at 5 locations. Liberty National Bank has a B+ health rating.

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Reviews (3)

LN Bank... Supersmart Checking...

25 debit transactions for (4.01%, $25K).  Not so smart.  But hey anything for the 4% club member.

Denied An Account Because I Live In Dayton.

"We're a community bank and we would want you to have ties to those three or four counties."

good bank

I have used this bank for my entire life and I love it. I have used other banks also when I was out of town and nothing compares to liberty bank. The staff is super friendly, and they make sure to know your name. I feel like the people actually care about you as a person and not just about your money unlike at bigger name-brand banks that can be found in many common tv commercials. At liberty bank, they are very competitive with their rates and will even haggle with you if they feel you want something other than what they are offering.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Liberty National Bank had $5.16 million in non-current loans and owned real-estate with $25.77 million in equity and loan loss allowances on hand to cover it. This gives Liberty National Bank a Texas Ratio of 20.00% 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 decreased slightly from 23.59% as of June 30, 2013 to 20.00% as of June 30, 2014, resulting in a positive change of 15.22%.This indicates that the balance sheet and financial strength for Liberty National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Liberty National Bank has increased its total deposits by $23.81 million, resulting in 12.72% 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.



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 $245.27 million in assets with $25.77 million in equity, resulting in a capitalization level of 10.51%, which is above average.

Institution Statistics

FDIC Certificate #6516
Year Established1893
Primary RegulatorOCC
Assets and Liabilities
Assets$245.27 million
Loans$175.88 million
Deposits$211.05 million
Equity Capital$23.69 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$305,000
Historic Data - June 2013
Assets$220.26 million
Equity Capital$22.74 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$220,000
Profit Margin - Quarterly
Return on Assets0.72%
Return on Equity7.48%
Interest Income$4.70 million

Always verify rates and promotions with the bank or credit union. We are not Liberty National Bank, we are a rate comparison website and can not provide official rates or promotions.

Liberty National Bank Savings Account Rates

0.10%$1k-Investment Savings Account

Liberty National Bank Money Market Rates

0.35%$50k-Money Market Account

Liberty National Bank Checking Account Rates

2.00%-$15kSmart Checking - Qualifying
0.10%--Smart Checking - Non Qualifying

Liberty National Bank CD Rates

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

Liberty National Bank Locations
Bellefontaine Branch1120 North Main StreetBellefontaine, OH 43311
Liberty National Bank118 South Main StreetAda, OH 45810
Liberty National Bank South Main Street Office1454 South Main StreetBellefontaine, OH 43311
Marysville Office160 Coleman S Crossing BoulevardMarysville, OH 43040
Kenton City BranchMain and Franklin StreetsKenton, OH 43326