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Liberty National Bank
Sioux City, IA · FDIC Certificate #57505 · Chartered 03/1
Total assets
$624.38M
Total deposits
$457.28M
Total equity
$104.11M
Net loans
$464.12M
Branches (offices)
8
Net income (YTD)
$3.84M
Rank: #1,511 of 4,213 U.S. banks by assets · #44 of 225 in Iowa. Assets changed 4.5% and deposits 7.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 7.44% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 16.67% |
| Tier 1 leverage ratio | 10.31% |
| Uninsured deposits (share of deposits) | 32.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 101.5% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $367.37M | 79.2% | |
| Commercial & industrial | $50.76M | 10.9% | |
| Consumer / individual | $1.47M | 0.3% | |
| Construction & development | $34.96M | 7.5% | |
| Agricultural | $48.90M | 10.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $532.25M | $451.57M | $3.38M | $53.41M |
| Jun 2023 | $536.33M | $398.23M | $3.71M | $94.11M |
| Jun 2024 | $566.74M | $421.99M | $2.69M | $96.73M |
| Jun 2025 | $597.62M | $426.50M | $3.51M | $101.48M |
| Jun 2026 | $624.38M | $457.28M | $3.84M | $104.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $347.59M | 5 |
| Iowa | $109.69M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $457.28M.
Similar-sized banks
Southeastern Bank ($624.92M) · First Port City Bank ($623.94M)
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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