TellerScore

Headquartered in Saint Cloud, Minnesota, Liberty Bank Minnesota is a state-chartered bank (fed member) with $290.2M in total assets and $262.9M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1987.

Based on its Q2 2026 filing, Liberty Bank Minnesota scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 16th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (62/100; 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.90%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 51.7% · 9.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).

TellerScore
858788Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202485
Q4 202486
Q1 202585
Q2 202586
Q3 202588
Q4 202588
Q1 202686
Q2 202686
Tier 1 leverage ratio
5.00%9.48%13.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.95%
Q3 202413.18%
Q4 202413.40%
Q1 202513.18%
Q2 202513.24%
Q3 202513.45%
Q4 202513.60%
Q1 202613.00%
Q2 202612.90%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.71%0.90%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.78%
Q4 20240.85%
Q1 20250.84%
Q2 20250.95%
Q3 20251.08%
Q4 20251.08%
Q1 20260.95%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$290.2M12.90%0.00%1.04%51.7%
Q1 202686$292.0M13.00%0.00%0.95%50.5%
Q4 202588$284.0M13.60%0.00%1.08%53.1%
Q3 202588$276.2M13.45%0.00%1.08%55.2%
Q2 202586$274.9M13.24%0.00%0.95%56.7%
Q1 202585$278.1M13.18%0.00%0.84%54.6%
Q4 202486$265.6M13.40%0.00%0.85%58.2%
Q3 202485$274.7M13.18%0.00%0.78%57.2%
Q2 202487$271.4M13.95%0.00%0.71%59.5%

2,650 peers · $100 million – $1 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 ratio12.90%
74th
Total risk-based capital26.78%
95th
Problem loans0.00%
94th
Net charge-offs0.02%
41st
Return on assets1.04%
36th
Net interest margin3.16%
15th
Efficiency ratio74.0%
22nd
Loans to deposits51.7%
91st
Uninsured deposits9.1%
95th
Loan-loss reserves0.99%
24th
Texas ratio0.0%
95th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State Bank of RoseauBank Roseau, MN85 out of 100, Very strong$290.9M13.3%0.53%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Minnesota National BankBank Sauk Centre, MN70 out of 100, Strong$298.4M9.8%0.49%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs

Deposit insurance

Is my money safe at Liberty Bank Minnesota?

Yes. Liberty Bank Minnesota is an FDIC-insured institution (FDIC certificate #26891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.1% of deposits ($24.0M) 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 12.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 26.78% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Liberty Bank Minnesota lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Liberty Bank Minnesota reported 336 home-loan applications under HMDA (LEI 549300DM47883NLNBK72): 292 originated ($73,530,000 total), 10 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, 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 Minnesota
Former names
Liberty Savings Bank fsb; Liberty Loan and Thrift Corporation; Liberty Savings, Inc. dba Liberty Savings
Type
State-chartered bank (Fed member)
FDIC certificate #
26891
RSSD ID
1387203
Primary regulator
FED
Holding company
Liberty Finl Services St Cloud
Established
January 1, 1987
Headquarters
2842 2nd St S, Saint Cloud, MN 56301
Employees
45

Quick answers

Liberty Bank Minnesota: common questions

Is Liberty Bank Minnesota FDIC insured?

Yes. Liberty Bank Minnesota is an FDIC-insured institution (FDIC certificate #26891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty Bank Minnesota's TellerScore?

86 out of 100 (Very 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 Minnesota ever failed?

There is no failure record for FDIC certificate #26891 in the FDIC failed bank list.

How many branches does Liberty Bank Minnesota have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Cloud

InstitutionScoreAssetsCapitalProblem loansCompare
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs
Sherburne BankBank Becker, MN78 out of 100, Strong$351.1M9.5%0.02%vs