Liberty Savings Bank is headquartered in Wilmington and is the 37th largest bank in the state of Ohio. It is also the 1,148th largest bank in the nation. It was established in 1984 and as of June of 2014, it had grown to 136 employees at 10 locations. Liberty Savings Bank has a B health rating.
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
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.
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 Savings Bank had $22.54 million in non-current loans and owned real-estate with $81.39 million in equity and loan loss allowances on hand to cover it. This gives Liberty Savings Bank a Texas Ratio of 27.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Liberty Savings Bank decreased dramatically from 44.06% as of June 30, 2013 to 27.69% as of June 30, 2014, resulting in a positive change of 37.15%.This indicates that the balance sheet and financial strength for Liberty Savings Bank has improved dramatically in recent periods.
In the past year, Liberty Savings Bank has decreased its total deposits by -$17.57 million, resulting in -4.03% 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.
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 $582.99 million in assets with $81.39 million in equity, resulting in a capitalization level of 13.96%, which is excellent.
|FDIC Certificate #||32242|
|Assets and Liabilities|
|Equity Capital||$73.39 million|
|Loan Loss Allowance||$8.00 million|
|Unbacked Noncurrent Loans||$12.49 million|
|Real Estate Owned||$10.05 million|
|Historic Data - June 2013|
|Equity Capital||$82.98 million|
|Loan Loss Allowance||$8.74 million|
|Unbacked Noncurrent Loans||$12.49 million|
|Real Estate Owned||$19.79 million|
|Profit Margin - Quarterly|
|Return on Assets||0.5%|
|Return on Equity||3.96%|
|Interest Income||$9.49 million|
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|0.20%||-||-||High Interest Checking - Qualifying|
|0.15%||-||-||High Interest Checking - Non Qualifying|
|Liberty Savings Bank Locations|
|60th Avenue Branch||1411 60th Ave||Bradenton, FL 34207|
|1679 South Tamiami Trail Branch||1679 South Tamiami Trail||Venice, FL 34293|
|E Coalton Rd Branch||1697 E Coalton Rd||Superior, CO 80027|
|Washington Boulevard Branch||1950 S Tamiami Tr||Sarasota, FL 34239|
|Sarasota Branch||2323 Stickney Point Rd||Sarasota, FL 34231|
|Bradenton Branch||3901 Cortez Road West||Bradenton, FL 34210|
|4103 South Tamiami Trail Branch||4103 South Tamiami Trail||Venice, FL 34293|
|E Yale Ave Branch||6460 E. Yale Avenue||Denver, CO 80222|
|Tamiami Trail Branch||8383 South Tamiami Trail||Sarasota, FL 34236|
|Granby Branch||91 E. Agate||Granby, CO 80446|