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1 star rating based on 1 review.

Liberty Savings Bank

Liberty Savings Bank Locations
647 Fife Avenue
Wilmington, OH 45177
800-436-6300
www.libertysavingsbank.com

Liberty Savings Bank is headquartered in Wilmington and is the 28th largest bank in the state of Ohio. It is also the 942nd largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 254 employees at 33 locations. Liberty Savings Bank has a 3-star health rating.

Liberty Savings Bank Routing Number: 242272324

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Liberty Savings Bank Checking Account Rates

ApyMinMaxProduct
0.35%--High Interest Checking

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Liberty Savings Bank, F.S.B.
OTS #08039
FDIC Certificate #32242
BankRate ReportView
Year Established1984
Employees254
Primary RegulatorOCC

Assets and Liabilities

Assets$704.74 million
Loans$372.04 million
Deposits$575.07 million
Equity Capital$82.63 million
Loan Loss Allowance$10.71 million
Unbacked Noncurrent Loans$18.99 million
Real Estate Owned$22.11 million

Historic Data - March 2011

Assets$975.63 million
Equity Capital$64.54 million
Loan Loss Allowance$17.83 million
Unbacked Noncurrent Loans$28.87 million
Real Estate Owned$29.14 million

Profit Margin - Quarterly

Net Interest Margin3.2%
Return on Assets0.27%
Return on Equity2.23%
Interest Income$6.02 million

Institution Health


Overall Score:
3 out of 5
3
Texas Ratio2
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 had $41.1 million in non-current loans and owned real-estate with $93.33 million in equity and loan loss allowances on hand to cover it. This gives Liberty Savings Bank a Texas Ratio of 44.04% which is below average. 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 decreased slightly from 67.04% as of March 31, 2011 to 44.04% as of March 31, 2012, resulting in a positive change of 34.31%.This indicates that the balance sheet and financial strength for Liberty Savings Bank has improved slightly in recent periods.
Deposit Growth1
In the past year, Liberty Savings Bank has decreased its total deposits by -$254.95 million, resulting in -30.72% 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 Savings Bank has shown is poor.
Capitalization5
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 has $704.74 million in assets with $93.33 million in equity, resulting in a capitalization level of 13.24%, which is excellent.
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PERSONAL INFORMATION DISCLOSED BY LIBERTY SAVINGS BANK
1 stars - HVACTECH - Friday, September 2, 2011 - 5:18 PM

THE LIBERTY SAVINGS BANK BRANCH AT CENTERVILLE STATION CENTERVILLE, OH HAS DISCLOSED PERSONAL INFORMATION TO THE CENTERVILLE POLICE DEPARTMENT THAT WAS USED TO FILE CRIMINAL CHARGES AGAINST ONE OF LIBERTY BANK'S CUSTOMERS. THIS INCIDENT WAS THE BANK MANAGER THAT NOTARIZED A MOTOR VECHICLE OHIO TITLE. I HIGHLY RECOMMEND THAT DEPOSITORS TRANSFERR ASSETS TO OTHER BANKS. LIBERTY SAVINGS BANK HAS BEEN SOLD TO FIRST FINANICIAL

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