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.

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

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

Similar-size banks in Alabama

Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #20429). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.0% of deposits ($48.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Liberty Bank lists 7 offices in 7 cities. Most locations:

• Albertville, AL (1)
• Altoona, AL (1)
• Collinsville, AL (1)
• Crossville, AL (1)
• Geraldine, AL (1)
• Guntersville, AL (1)
• Sardis City, AL (1)

All branch addresses and map

In 2025, Liberty Bank reported 207 home-loan applications under HMDA (LEI 254900GYV99GSRS94462): 196 originated ($33,990,000 total), 0 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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.

Legal name

Liberty Bank

Former names

Bank of Geraldine

Type

State-chartered bank

FDIC certificate #

20429

RSSD ID

386432

Primary regulator

FDIC

Holding company

First Bcorp of Geraldine Inc

Established

May 29, 1971

Headquarters

40956 Alabama Highway 75, Geraldine, AL 35974

Website

www.libertybankal.com

Employees

56