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Liberty Bank
Middletown, CT · FDIC Certificate #17943 · Chartered 05/1
Total assets
$9.38B
Total deposits
$7.12B
Total equity
$1.23B
Net loans
$7.25B
Branches (offices)
51
Net income (YTD)
$59.12M
Rank: #171 of 4,213 U.S. banks by assets · #1 of 26 in Connecticut. Assets changed 10.7% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 9.92% |
| Net interest margin (YTD) | 3.45% |
| Equity to assets | 13.09% |
| Tier 1 leverage ratio | 13.37% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 101.8% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.98B | 82.4% | |
| Commercial & industrial | $1.15B | 15.9% | |
| Consumer / individual | $188.30M | 2.6% | |
| Construction & development | $501.53M | 6.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.36B | $6.12B | -$11.07M | $875.62M |
| Jun 2023 | $7.27B | $5.77B | $68.75M | $977.43M |
| Jun 2024 | $7.82B | $6.29B | $34.07M | $1.05B |
| Jun 2025 | $8.47B | $6.78B | $33.86M | $1.12B |
| Jun 2026 | $9.38B | $7.12B | $59.12M | $1.23B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $7.04B | 50 |
| Massachusetts | $79.65M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.12B.
Similar-sized banks
Amalgamated Bank ($9.41B) · 1St Source Bank ($9.26B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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