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Liberty Trust & Savings Bank
Durant, IA · FDIC Certificate #10121 · Chartered 01/0
Total assets
$186.22M
Total deposits
$149.51M
Total equity
$35.76M
Net loans
$105.35M
Branches (offices)
3
Net income (YTD)
$1.46M
Rank: #3,072 of 4,213 U.S. banks by assets · #151 of 225 in Iowa. Assets changed 5.0% and deposits 3.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 8.36% |
| Net interest margin (YTD) | 3.59% |
| Equity to assets | 19.20% |
| Tier 1 leverage ratio | 20.65% |
| Uninsured deposits (share of deposits) | 24.7% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 70.5% |
| Real estate loans (share of loans) | 59.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $62.19M | 59.0% | |
| Commercial & industrial | $17.02M | 16.2% | |
| Consumer / individual | $3.68M | 3.5% | |
| Construction & development | $3.03M | 2.9% | |
| Agricultural | $23.16M | 22.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $178.87M | $149.64M | $999.00K | $28.85M |
| Jun 2023 | $166.79M | $136.50M | $1.02M | $29.87M |
| Jun 2024 | $174.90M | $143.14M | $805.00K | $31.10M |
| Jun 2025 | $177.29M | $144.11M | $1.09M | $32.38M |
| Jun 2026 | $186.22M | $149.51M | $1.46M | $35.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $149.51M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $149.51M.
Similar-sized banks
Gulf Coast Business Bank ($186.55M) · Farmers State Bank ($186.21M)
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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