Liberty Savings Bank, F.S.B. (PA)

Liberty Savings Bank, F.S.B. (PA) Locations
21 South Centre Street
Pottsville, PA 17901
(570) 622-5620
www.libertysavingsfsb.com

Liberty Savings Bank, F.S.B. (PA) is headquartered in Pottsville and is the 199th largest bank in the state of Pennsylvania. It is also the 6,929th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 16 employees at 2 locations. Liberty Savings Bank, F.S.B. (PA) has a 4-star health rating.



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

Liberty Savings Bank, F.S.B. (PA) Savings Account Rates

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0.50%--Christmas Club
0.35%$25-IRA Savings Passbook
0.35%--All Purpose Club
0.35%$25-Roth IRA Savings Passbook
0.00%$100-Savings Account

Liberty Savings Bank, F.S.B. (PA) Money Market Rates

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0.25%$1k-Money Market

Liberty Savings Bank, F.S.B. (PA) CD Rates

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1.79%$500-60 Month CD
1.29%$500-48 Month CD
1.05%$500-36 Month CD
0.80%$500-24 Month CD
0.70%$500-18 Month CD
0.50%$500-12 Month CD
0.45%$500-22 Month CD
0.35%$500-6 Month CD
0.12%$100k-1 Year Liberty Variable CD

Liberty Savings Bank, F.S.B. (PA) IRA Rates

ApyMinMaxProduct
1.79%$500-60 Month IRA
1.79%$500-60 Month Roth IRA
1.29%$500-48 Month IRA
1.29%$500-48 Month Roth IRA
1.05%$500-36 Month IRA
1.05%$500-36 Month Roth IRA
0.80%$500-24 Month IRA
0.80%$500-24 Month Roth IRA
0.70%$500-18 Month IRA
0.70%$500-18 Month Roth IRA
0.50%$500-12 Month IRA
0.50%$500-12 Month Roth IRA
0.45%$500-22 Month IRA
0.45%$500-22 Month Roth IRA
0.35%$500-6 Month IRA
0.35%$500-6 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012


Institution Statistics


Liberty Savings Bank, F.S.B.
OTS #03168
FDIC Certificate #29247
BankRate ReportView
Year Established1914
Employees16
Primary RegulatorOCC

Assets and Liabilities

Assets$30.85 million
Loans$23.45 million
Deposits$25.89 million
Equity Capital$3.32 million
Loan Loss Allowance$225,000
Unbacked Noncurrent Loans$258,000

Historic Data - March 2011

Assets$33.78 million
Equity Capital$3.87 million
Loan Loss Allowance$249,000
Unbacked Noncurrent Loans$82,000
Real Estate Owned$315,000

Profit Margin - Quarterly

Net Interest Margin4.92%
Return on Assets-1.27%
Return on Equity-11.39%
Interest Income$373,000

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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 Savings Bank, F.S.B. (PA) had $258,000 in non-current loans and owned real-estate with $3.55 million in equity and loan loss allowances on hand to cover it. This gives Liberty Savings Bank, F.S.B. (PA) a Texas Ratio of 7.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Liberty Savings Bank, F.S.B. (PA) decreased slightly from 9.65% as of March 31, 2011 to 7.27% as of March 31, 2012, resulting in a positive change of 24.67%.This indicates that the balance sheet and financial strength for Liberty Savings Bank, F.S.B. (PA) has improved slightly in recent periods.
Deposit Growth2
In the past year, Liberty Savings Bank, F.S.B. (PA) has decreased its total deposits by $-422,000, resulting in -1.6% 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 Savings Bank, F.S.B. (PA) has shown is below average.
Capitalization4
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 Savings Bank, F.S.B. (PA) has $30.84 million in assets with $3.55 million in equity, resulting in a capitalization level of 11.51%, which is above average.
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