TellerScore

Headquartered in Middletown, Connecticut, Liberty Bank is a si with $9.4B in total assets and $7.1B in deposits as of Q2 2026. It operates 51 offices across 2 states. Its charter dates back to 1825.

Based on its Q2 2026 filing, Liberty Bank scores 79/100, which we describe as strong. That is higher than 88% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 4th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is funding & liquidity (47/100; 102% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.37%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity47/100
Loans ÷ deposits and uninsured-deposit share: 101.8% · 25.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (75 → 79), mostly because the earnings component improved by 19 points.

TellerScore
667379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202474
Q1 202566
Q2 202575
Q3 202577
Q4 202576
Q1 202669
Q2 202679
Tier 1 leverage ratio
5.00%9.34%13.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.68%
Q3 202413.66%
Q4 202413.61%
Q1 202513.31%
Q2 202513.49%
Q3 202513.45%
Q4 202513.36%
Q1 202613.05%
Q2 202613.37%
Noncurrent loans
0.32%0.52%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20240.70%
Q4 20240.58%
Q1 20250.55%
Q2 20250.44%
Q3 20250.43%
Q4 20250.40%
Q1 20260.38%
Q2 20260.32%
Return on assets
-0.16%0.57%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20241.00%
Q4 20240.80%
Q1 2025-0.16%
Q2 20250.82%
Q3 20251.10%
Q4 20250.99%
Q1 20260.26%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$9.4B13.37%0.32%1.30%101.8%
Q1 202669$9.0B13.05%0.38%0.26%97.4%
Q4 202576$9.0B13.36%0.40%0.99%99.3%
Q3 202577$8.7B13.45%0.43%1.10%95.1%
Q2 202575$8.5B13.49%0.44%0.82%94.3%
Q1 202566$8.2B13.31%0.55%-0.16%91.5%
Q4 202474$8.1B13.61%0.58%0.80%93.0%
Q3 202475$7.9B13.66%0.70%1.00%91.6%
Q2 202474$7.8B13.68%0.72%0.88%92.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.37%
87th
Total risk-based capital14.65%
62nd
Problem loans0.32%
65th
Net charge-offs0.18%
21st
Return on assets1.30%
54th
Net interest margin3.45%
34th
Efficiency ratio75.6%
12th
Loans to deposits101.8%
11th
Uninsured deposits25.5%
69th
Loan-loss reserves1.18%
55th
Texas ratio1.8%
72nd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Bankwell BankBank New Canaan, CT68 out of 100, Moderate$3.5B10.4%0.54%vs
Union Savings BankBank Danbury, CT71 out of 100, Strong$3.3B11.5%0.29%vs
Ion BankBank Naugatuck, CT62 out of 100, Moderate$2.8B11.9%1.49%vs
First County BankBank Stamford, CT61 out of 100, Moderate$2.4B9.6%0.24%vs
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs

Deposit insurance

Is my money safe at Liberty Bank?

Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #17943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.65% (benchmark: 10%).

Check how much of your own balance is covered

51 locations

Branches

Liberty Bank lists 51 offices in 46 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Liberty Bank reported 3,771 home-loan applications under HMDA (LEI 549300KWXO8FUM7L0E14): 3,060 originated ($1,243,990,000 total), 355 denied, and 289 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Liberty Bank
Former names
The Liberty Bank for Savings; The Middletown Savings Bank
Type
SI
FDIC certificate #
17943
RSSD ID
587800
Primary regulator
FDIC
Holding company
Liberty Financial Corp
Established
May 15, 1825
Headquarters
245 Long Hill Rd, Middletown, CT 06457
Employees
923

Quick answers

Liberty Bank: common questions

Is Liberty Bank FDIC insured?

Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #17943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Liberty Bank ever failed?

There is no failure record for FDIC certificate #17943 in the FDIC failed bank list.

How many branches does Liberty Bank have?

51 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Middletown

InstitutionScoreAssetsCapitalProblem loansCompare
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Membersfirst Ct Federal Credit UnionCredit union Meriden, CT79 out of 100, Strong$107.2M12.0%0.32%vs