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800-436-6300
2251 Rombach Avenue
Wilmington, OH 45177

Liberty Savings Bank is headquartered in Wilmington and is the 39th largest bank in the state of Ohio. It is also the 1,189th largest bank in the nation. It was established in 1984 and as of December of 2013, it had grown to 152 employees at 11 locations. Liberty Savings Bank has a B health rating.

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Reviews (2)

PERSONAL INFORMATION DISCLOSED BY LIBERTY SAVINGS BANK

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

Bradenton Fl Liberty Savings Bank

 

Worst bank out there do not sign up I did the mistake of going with them and had a very bad experience. They do not try to help you out my first over draft they said sorry you need to pay, won’t compromise at all despite the fact i lost my job. Stupid hours not open Saturday what the hell is up with that and close at 4 or 5 during the week and even earlier on Saturday I’m sorry I’m a working women and do not get home till 5:30. And now I have an overdraft fee initial 38 damn bucks and if you don’t pay it you are charged 8 $ if you wait four days and the 8 keeps compounding with each day you don’t pay. please I beg of you save yourself the trouble, money, and misery and find a good decent bank i have had nothing but problems, bad customer service, and they took a lot of my money, oh and by the way there bank atm will not accept cash or check you have to put it in an envelope and wait till the next business day (if its Friday it won’t be in your accounts till Monday if it cash)for them to cash it also checks take between 5-7 biz days. 

 



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
C+

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, 2013 Liberty Savings Bank had $21.54 million in non-current loans and owned real-estate with $77.74 million in equity and loan loss allowances on hand to cover it. This gives Liberty Savings Bank a Texas Ratio of 27.71% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Liberty Savings Bank decreased dramatically from 44.64% as of December 31, 2012 to 27.71% as of December 31, 2013, resulting in a positive change of 37.93%.This indicates that the balance sheet and financial strength for Liberty Savings Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Liberty Savings Bank has decreased its total deposits by -$17.5 million, resulting in -3.96% 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 below average.

Capitalization

GRADE:
A+

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 $559 million in assets with $77.74 million in equity, resulting in a capitalization level of 13.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #32242
Year Established1984
Employees152
Primary RegulatorOCC
Assets and Liabilities
Assets$559.00 million
Loans$374.21 million
Deposits$424.34 million
Equity Capital$69.80 million
Loan Loss Allowance$7.95 million
Unbacked Noncurrent Loans$12.93 million
Real Estate Owned$8.61 million
Historic Data - December 2012
Assets$552.37 million
Equity Capital$84.44 million
Loan Loss Allowance$8.68 million
Unbacked Noncurrent Loans$12.93 million
Real Estate Owned$19.75 million
Profit Margin - Quarterly
Net Interest Margin3.23%
Return on Assets0.59%
Return on Equity4.19%
Interest Income$18.36 million
Rates
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Liberty Savings Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--High Interest Checking
0.15%--High Interest Checking
Locations

Liberty Savings Bank has 11 locations. Click to view all Liberty Savings Bank locations.