Liberty Bank (FDIC certificate #28463) is based in Ironton, Ohio. Its Q2 2026 call report shows $55.7M in total assets and $46.2M in deposits and 2 offices.
Liberty Bank has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 23rd. Capital cushion contributes the most (100/100, 17.96%); earnings contributes the least (47/100, 0.69%).
TellerScore · Q2 2026
Scorecard
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 8 points (74 → 82), mostly because the loan quality component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 74 |
| Q3 2025 | 79 |
| Q4 2025 | 81 |
| Q1 2026 | 83 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.68% |
| Q3 2024 | 15.90% |
| Q4 2024 | 15.98% |
| Q1 2025 | 16.11% |
| Q2 2025 | 16.16% |
| Q3 2025 | 16.11% |
| Q4 2025 | 16.60% |
| Q1 2026 | 17.17% |
| Q2 2026 | 17.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.13% |
| Q1 2025 | 0.96% |
| Q2 2025 | 1.37% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.51% |
| Q2 2026 | 0.77% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $55.7M | 17.96% | 0.77% | 0.69% | 59.5% |
| Q1 2026 | 83 | $56.6M | 17.17% | 0.51% | 0.40% | 59.4% |
| Q4 2025 | 81 | $57.9M | 16.60% | 0.65% | 0.34% | 58.8% |
| Q3 2025 | 79 | $60.2M | 16.11% | 0.75% | 0.30% | 57.4% |
| Q2 2025 | 74 | $59.0M | 16.16% | 1.37% | 0.27% | 57.5% |
| Q1 2025 | 77 | $59.6M | 16.11% | 0.96% | 0.22% | 55.8% |
| Q4 2024 | 76 | $59.1M | 15.98% | 1.13% | 0.26% | 57.3% |
| Q3 2024 | 75 | $59.8M | 15.90% | 1.19% | 0.27% | 57.0% |
| Q2 2024 | 76 | $60.6M | 15.68% | 1.00% | 0.21% | 54.2% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Community First Bank, National AssociationBank Forest, OH | 70 out of 100, Strong | $56.3M | 9.4% | 0.00% | vs |
| The Pioneer Savings BankBank Cleveland, OH | 69 out of 100, Moderate | $54.7M | 11.8% | 0.00% | vs |
| The Union Banking CompanyBank West Mansfield, OH | 65 out of 100, Moderate | $54.5M | 10.8% | 0.67% | vs |
| Fortuna BankBank Grandview Heights, OH | 76 out of 100, Strong | $57.3M | 34.1% | 0.00% | vs |
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| The Peoples BankBank Gambier, OH | 71 out of 100, Strong | $60.4M | 10.8% | 0.33% | vs |
Deposit insurance
Is my money safe at Liberty Bank?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #28463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($8.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.96%, 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%).
2 locations
Branches
Liberty Bank lists 2 offices in 2 cities. Most locations:
- Ironton, OH (1)
- Proctorville, OH (1)
Identity & history
Profile
- Legal name
- Liberty Bank
- Former names
- Liberty Federal Savings and Loan Association; Liberty Federal Savings Bank
- Type
- Savings association
- FDIC certificate #
- 28463
- RSSD ID
- 534073
- Primary regulator
- FDIC
- Holding company
- Liberty Federal Bcorp Mhc
- Established
- January 1, 1896
- Headquarters
- 314 Park Ave, Ironton, OH 45638
- Website
- www.libbk.com
- Employees
- 10
Quick answers
Liberty Bank: common questions
Is Liberty Bank FDIC insured?
Yes. Liberty Bank is an FDIC-insured institution (FDIC certificate #28463). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Liberty Bank's TellerScore?
82 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 #28463 in the FDIC failed bank list.
How many branches does Liberty Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ironton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kentucky Farmers Bank CorporationBank Catlettsburg, KY | 93 out of 100, Very strong | $328.5M | 15.7% | 0.43% | vs |
| Pace Federal Credit UnionCredit union Huntington, WV | 86 out of 100, Very strong | $8.7M | 12.9% | 0.00% | vs |
| First Priority Federal Credit UnionCredit union Huntington, WV | 82 out of 100, Strong | $74.8M | 12.5% | 1.14% | vs |
| F.C.I. Ashland Federal Credit UnionCredit union Ashland, KY | 81 out of 100, Strong | $8.8M | 14.3% | 0.00% | vs |
| Community Trust Bank, Inc.Bank Pikeville, KY | 80 out of 100, Strong | $6.9B | 13.4% | 0.58% | vs |
| Citizens Bank of Kentucky, Inc.Bank Paintsville, KY | 79 out of 100, Strong | $669.9M | 13.5% | 0.85% | vs |