Overview / Commentary
315 Main Street
Middletown, CT 06457

Liberty Bank is headquartered in Middletown and is the 4th largest bank in the state of Connecticut. It is also the 222nd largest bank in the nation. It was established in 1825 and as of December of 2018, it had grown to 700 employees at 55 locations. Liberty Bank has an A+ health rating.

Related Posts

Liberty Bank (CT) Unveils 12-Month CD Special - 11/29/2018

Liberty Bank (CT) has added a 12-month CD Special (3.00% APY). Min deposit is $500 new money and is capped at $500k. Limit of one per client. In-branch only.

12-Month CD Special - 3% APY - 11/29/2018

$500 minimum $500k maximum In branch only, Connecticut

Liberty Bank (CT) Brings Back 18-Month Promo CD - 8/20/2018

Liberty Bank (CT) is offering 3.00% APY on its 18-month Promotional CD and a renewal rate guarantee of 3.50% APY. $500 min/$250k max of new money. Checking required.

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Great bank!

Liberty Bank is a great bank. The best thing about them is that they don't charge ATM fees and also they reimburse the ATM fees of other banks. There is also no monthly fee if you go paperless. They send instructions if you have transactions with a company who has been breached and have sometimes automatically sent new debit cards in these circumstances. Their in bank customer service is most excellent. They have convenient branches and the ATMs feel like they are in safe locations. I have used them exclusively for over ten years and I have no intention of switching of changing. I don't have credit cards or loans so I can't speak to those products personally. I have never heard anything bad about them from anybody else. They did once have an employee steal but they were very open about that.

Best Small "Big" Bank Ever!

I have been a customer at Liberty Bank since I started working in my 20's. That relationship spans a time period of over 30 years. I have expanded my transactions at this bank to include checking, CD's, home equity loans, personal loans, and have included my expanded family with this institution. The services that they offer are extremely competitive with the larger banks and credit unions in the area. Their services are also all inclusive and I have never had to go outside their institution to find a service that I have needed. The tellers and loan officers are more like family than business associates. They are aware of my growing family and even provided my daughter with her first college debit/credit card with no hassle. One teller also caught an error that had a deceased relative still as an active co-signer on an account and provided the necessary information that I needed to correct the situation. They recognize me by name, ask about my family, and offer great suggestions to whatever questions or problems that I have encountered. I continually receive offers from other banks thru the mail but I just rip up the mail and continue having confidence and trust in the Liberty Bank institution. Opps, forgot, they have branches throughout the area in which I live, so add convenience to all the other complements.

Don't Bother With Online Site

Posted by: RobLee | Mar 12, 2018

Liberty had a first class online banking site and a usable mobile app. They recently went to an "improved" system that doesn't have the functionallity you expect. Fore example:
You cannot see a list of unpaid ebills. If you do pay one, the site doesn't "mark it paid" like it used to.

We expect to migrate to another bank is the old system is not put back in place.

We have been a significant customer for 30 years and it is sad to see a great bank fail so badly.

Godawful. Go Literally Anywhere Else.

The worst bank I've ever had the misfortune of doing business with. They cards don't work in the ATM half the time, even in their own ATM, so I can't access my money. They don't support Apple of Android Pay even though they've been promising it for like 3 years. Their support staff is rude and unhelpful, they get offended when I say I have a problem and hang up on me instead of helping. Never dealt with a worse bank ever.



Health Grade Components

FDIC Certificate #17943
Year Established1825
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD9.8%
Annual Interest Income$174.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$5.09B$4.77B
LoansQ4 2018vs Q4 2017$3.86B$3.59B
DepositsQ4 2018vs Q4 2017$3.70B$3.55B
Equity CapitalQ4 2018vs Q4 2017$738.9MM$706.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$34.5MM$33.0MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$13.2MM$12.7MM
Real Estate OwnedQ4 2018vs Q4 2017$459.00K$589.00K

Rates for Liberty Bank are currently being reviewed.



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