TellerScore

Liberty Bank and Trust Company (FDIC certificate #20856) is based in New Orleans, Louisiana. Its Q2 2026 call report shows $1.1B in total assets and $984.4M in deposits and 17 offices across 8 states.

Liberty Bank and Trust Company has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 104 banks headquartered in Louisiana, it ranks 57th. Problem-loan coverage contributes the most (86/100, 6.8%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.35%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.89%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 63.9% · 34.2% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.79%

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 fell 3 points (71 → 68), mostly because the earnings component weakened by 6 points.

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202467
Q1 202571
Q2 202571
Q3 202572
Q4 202567
Q1 202666
Q2 202668
Tier 1 leverage ratio
5.00%8.37%11.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.62%
Q3 202411.74%
Q4 202411.14%
Q1 202511.41%
Q2 202511.48%
Q3 202511.66%
Q4 202511.11%
Q1 202611.28%
Q2 202611.35%
Noncurrent loans
0.74%1.01%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.22%
Q3 20241.28%
Q4 20240.76%
Q1 20250.82%
Q2 20250.81%
Q3 20250.74%
Q4 20250.90%
Q1 20261.11%
Q2 20260.89%
Return on assets
0.86%1.05%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.25%
Q4 20241.22%
Q1 20251.14%
Q2 20251.07%
Q3 20251.03%
Q4 20250.86%
Q1 20260.90%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.1B11.35%0.89%0.92%63.9%
Q1 202666$1.1B11.28%1.11%0.90%64.2%
Q4 202567$1.1B11.11%0.90%0.86%64.2%
Q3 202572$1.1B11.66%0.74%1.03%63.2%
Q2 202571$1.1B11.48%0.81%1.07%63.2%
Q1 202571$1.1B11.41%0.82%1.14%64.1%
Q4 202467$1.1B11.14%0.76%1.22%66.2%
Q3 202464$1.1B11.74%1.28%1.25%67.0%
Q2 202464$1.1B11.62%1.22%1.20%64.7%

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 ratio11.35%
67th
Total risk-based capital20.36%
92nd
Problem loans0.89%
30th
Net charge-offs0.23%
17th
Return on assets0.92%
25th
Net interest margin4.14%
75th
Efficiency ratio70.9%
19th
Loans to deposits63.9%
91st
Uninsured deposits34.2%
40th
Loan-loss reserves1.14%
49th
Texas ratio6.8%
27th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Evangeline Bank and Trust CompanyBank Ville Platte, LA77 out of 100, Strong$1.1B14.2%1.24%vs
First Federal Bank of LouisianaBank Lake Charles, LA70 out of 100, Strong$1.1B12.0%0.17%vs
Crescent BankBank Metairie, LA89 out of 100, Very strong$1.1B15.0%1.28%vs
Fidelity BankBank New Orleans, LA64 out of 100, Moderate$1.2B20.3%1.85%vs
JD BankBank Jennings, LA76 out of 100, Strong$1.3B11.9%0.40%vs
Synergy BankBank Houma, LA61 out of 100, Moderate$1.3B11.3%2.07%vs

Deposit insurance

Is my money safe at Liberty Bank and Trust Company?

Yes. Liberty Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.2% of deposits ($337.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.36% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Liberty Bank and Trust Company lists 14 offices in 10 cities across 8 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Liberty Bank and Trust Company
Type
State-chartered bank
FDIC certificate #
20856
RSSD ID
283438
Primary regulator
FDIC
Holding company
Liberty Financial Services Inc
Established
November 16, 1972
Headquarters
6600 Plaza Dr, New Orleans, LA 70127
Employees
197

Quick answers

Liberty Bank and Trust Company: common questions

Is Liberty Bank and Trust Company FDIC insured?

Yes. Liberty Bank and Trust Company is an FDIC-insured institution (FDIC certificate #20856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty Bank and Trust Company's TellerScore?

68 out of 100 (Moderate), 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 and Trust Company ever failed?

There is no failure record for FDIC certificate #20856 in the FDIC failed bank list.

How many branches does Liberty Bank and Trust Company have?

17 offices as of the latest FDIC data, in 8 states.

Nearby

Highest-scoring banks and credit unions with branches near New Orleans

InstitutionScoreAssetsCapitalProblem loansCompare
G G W Federal Credit UnionCredit union New Orleans, LA97 out of 100, Very strong$960K26.7%0.00%vs
St. Bernard Parish School Board Emp Federal Credit UnionCredit union Chalmette, LA93 out of 100, Very strong$15.9M37.6%0.38%vs
Internal Revenue Federal Credit UnionCredit union New Orleans, LA89 out of 100, Very strong$22.5M14.1%0.22%vs
Crescent BankBank Metairie, LA89 out of 100, Very strong$1.1B15.0%1.28%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
New Orleans Police Department Emp. Credit UnionCredit union New Orleans, LA82 out of 100, Strong$22.0M41.4%0.82%vs