Liberty Bank
Liberty Bank reported total assets of $9.4 bn at Q2 2026, up 10.7% on a year earlier, the 169th largest of 497 banks in our US coverage. The CET1 capital ratio at Liberty Bank was 13.66%, and the uninsured share of Liberty Bank was 25.51%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Liberty Bank climbed from 213th to 119th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Liberty Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 75.60% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- Since , Liberty Bank has taken over one institution; the latest was The Simsbury Bank & Trust Company on (FDIC Call Reports).
What sets Liberty Bank apart
How large is Liberty Bank?
The balance sheet of Liberty Bank at : assets $9.4 bn, deposits $7.1 bn, net loans $7.3 bn (loans equal to 101.81% of deposits). Securities make up 15.2% of total assets at Liberty Bank. Since , when Liberty Bank held $4.4 bn, its assets grew 113.6%. In the year to , deposits at Liberty Bank rose 5.0% while its total assets rose 10.7%. At , Liberty Bank employed 923 full-time equivalent staff across 51 offices, about $10.2 mn of assets per employee and $139.7 mn of deposits per office.
How much funding at Liberty Bank is uninsured?
At Liberty Bank, uninsured deposits (above the FDIC limit) made up 25.51% of domestic deposits at (+0.82 pp on a year earlier); Liberty Bank ranks 371st of 500 on this measure. In dollars, Liberty Bank estimated $1.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.1 bn | +5.0% | 182nd of 499 |
| Net loans and leases | $7.3 bn | +13.4% | 153rd of 500 |
| Loan-to-deposit ratio | 101.81% | +7.49 pp | 45th of 500 |
| Tier 1 leverage ratio | 13.37% | -0.12 pp | 43rd of 500 |
| Total risk-based capital ratio | 14.65% | -0.23 pp | 201st of 448 |
| Net interest margin | 3.45% | +0.07 pp | 309th of 500 |
| Return on assets (ROA) | 1.30% | +0.47 pp | 255th of 500 |
| Efficiency ratio | 75.60% | +1.88 pp | 465th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $51.2 mn | Narrowed by $9.1 mn | |
| Noncurrent loans to total loans | 0.32% | -0.12 pp | 119th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.18% | -0.27 pp | 331st of 500 (1 = lowest) |
US rank of Liberty Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Liberty Bank: assets, deposits and loans
- Total assets $9.4bn
- Deposits $7.1bn
- Net loans $7.3bn
Capital and securities
The CET1 ratio of Liberty Bank stood at 13.66% in , -0.22 pp year on year. Low and high at Liberty Bank since : 13.48% () to 17.32% (). Equity capital of Liberty Bank at : $1.2 bn, or 13.1% of total assets. Liberty Bank also reported a total capital ratio of 14.65% for , and a tier 1 leverage ratio of 13.37%.
The available-for-sale portfolio of Liberty Bank showed an unrealized loss of $51.2 mn at ; the loss narrowed by $9.1 mn over the year.
Liberty Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 13%
Liberty Bank: unrealized securities gains and losses
- Available for sale -$51mn
- Held to maturity $0
Profitability and loan quality
For the year to , Liberty Bank earned a return on equity of 9.92%; return on assets: 1.30%. Net interest margin at Liberty Bank: 3.45%, +0.07 pp in a year. Liberty Bank net income: $59.1 mn, up 74.6% year on year. The efficiency ratio of Liberty Bank was 75.60%: about 76 cents cost per revenue dollar, against 47 cents at the median peer.
At , noncurrent loans were 0.32% of total loans at Liberty Bank; net charge-offs: 0.18% of average loans. Gross loans and leases at Liberty Bank: $7.3 bn, up 13.4% in a year.
Liberty Bank: profitability
- Return on equity 9.9%
- Net interest margin 3.5%
- Return on assets 1.3%
Peer group of Liberty Bank
The peer group of Liberty Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Liberty Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Connecticut. Against them, Liberty Bank shows CET1 ratio 13.66% against a peer median of 12.50%, return on equity 9.92% against a peer median of 15.20% and uninsured deposit share 25.51% against a peer median of 47.92%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Wintrust Bank | National bank | IL | $9.6 bn | 12.25% | 17.21% | 45.94% | |
| Peoples Bank | State member bank | OH | $9.5 bn | 12.30% | 10.48% | 26.43% | |
| Amalgamated Bank | State nonmember bank | NY | $9.4 bn | 14.78% | 14.63% | 57.05% | |
| Liberty Bank | State-chartered stock savings bank | CT | $9.4 bn | 13.66% | 9.92% | 25.51% | |
| 1st Source Bank | State member bank | IN | $9.3 bn | 14.84% | 14.72% | 53.84% | |
| Lake Forest Bank & Trust Company | National bank | IL | $9.3 bn | 11.16% | 21.10% | 49.90% | |
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
. FDIC Call Reports.
Last eight quarters
Two years at Liberty Bank, to : assets +18.7%, deposits +10.9%, equity +12.8%. Staff 842 to 923; offices 54 to 51.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.9 bn | $8.1 bn | $8.2 bn | $8.5 bn | $8.7 bn | $9.0 bn | $9.0 bn | $9.4 bn |
| Total deposits | $6.4 bn | $6.5 bn | $6.7 bn | $6.8 bn | $6.9 bn | $6.9 bn | $7.1 bn | $7.1 bn |
| Bank equity capital | $1.1 bn | $1.1 bn | $1.1 bn | $1.1 bn | $1.2 bn | $1.2 bn | $1.2 bn | $1.2 bn |
| CET1 ratio | 13.81% | 14.21% | 14.05% | 13.88% | 13.93% | 13.62% | 13.69% | 13.66% |
| Return on equity (ROE) | 7.39% | 5.91% | -1.22% | 6.19% | 8.28% | 7.51% | 1.97% | 9.92% |
| Uninsured share of domestic deposits | 25.04% | 25.21% | 25.49% | 24.68% | 26.59% | 25.72% | 25.93% | 25.51% |
| Full-time equivalent employees | 842 | 850 | 850 | 886 | 876 | 880 | 873 | 923 |
| Number of offices | 54 | 54 | 54 | 54 | 54 | 51 | 51 | 51 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Liberty Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Naugatuck Valley Savings and Loan (FDIC certificate 30365).
- . Absorbed The Simsbury Bank & Trust Company (FDIC certificate 33999).
Questions and identifiers
What were the total assets of Liberty Bank?
Liberty Bank reported $9.4 bn at in its Call Report. That makes Liberty Bank the 169th largest of 497 banks in our US coverage.
Is Liberty Bank the same as its holding company?
No. This page covers Liberty Bank, FDIC certificate 17943; LIBERTY FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Liberty Bank profitable?
Liberty Bank reported net income of $59.1 mn for the year to ; annualized return on equity: 9.92%. So yes: Liberty Bank made a profit over these months.
When is data for Liberty Bank next updated?
Figures from Liberty Bank for are due after .
Where can I check the figures for Liberty Bank?
In the FDIC BankFind Suite record for certificate 17943, and in the Call Reports of Liberty Bank (RSSD ID 587800) at the FFIEC Central Data Repository.