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Liberty Bank
Geraldine, AL · FDIC Certificate #20429 · Chartered 05/2
Total assets
$258.56M
Total deposits
$229.88M
Total equity
$27.43M
Net loans
$182.20M
Branches (offices)
7
Net income (YTD)
$2.06M
Rank: #2,668 of 4,213 U.S. banks by assets · #53 of 93 in Alabama. Assets changed 18.9% and deposits 19.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 15.57% |
| Net interest margin (YTD) | 4.93% |
| Equity to assets | 10.61% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 21.0% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 84.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $154.70M | 84.9% | |
| Commercial & industrial | $12.43M | 6.8% | |
| Consumer / individual | $11.87M | 6.5% | |
| Construction & development | $28.17M | 15.5% | |
| Agricultural | $2.61M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $191.53M | $172.92M | $870.00K | $18.28M |
| Jun 2023 | $188.78M | $168.22M | $1.27M | $19.77M |
| Jun 2024 | $202.56M | $179.83M | $1.25M | $21.74M |
| Jun 2025 | $217.41M | $192.32M | $1.56M | $24.32M |
| Jun 2026 | $258.56M | $229.88M | $2.06M | $27.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $229.88M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $229.88M.
Similar-sized banks
Community First Bank ($258.87M) · First National Bank Of Kentucky ($258.05M)
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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