TellerScore

Liberty National Bank is a national bank headquartered in Sioux City, Iowa, in business for about 23 years. At the end of Q2 2026 it reported $624.4M in total assets and $457.3M in deposits, with 10 offices across 2 states.

Based on its Q2 2026 filing, Liberty National Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 122nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (39/100; 101% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.31%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 101.5% · 32.7% 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

From Q2 2025 to Q2 2026, the score rose 3 points (68 → 71), mostly because the capital cushion component improved by 5 points.

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202467
Q1 202567
Q2 202568
Q3 202568
Q4 202567
Q1 202670
Q2 202671
Tier 1 leverage ratio
5.00%7.66%10.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.31%
Q3 20249.20%
Q4 20249.12%
Q1 20259.32%
Q2 20259.76%
Q3 20259.84%
Q4 20259.53%
Q1 20269.77%
Q2 202610.31%
Noncurrent loans
0.00%0.00%0.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
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
0.93%1.12%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.95%
Q4 20240.97%
Q1 20251.15%
Q2 20251.17%
Q3 20251.18%
Q4 20251.18%
Q1 20261.30%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$624.4M10.31%0.00%1.26%101.5%
Q1 202670$605.2M9.77%0.00%1.30%104.0%
Q4 202567$602.6M9.53%0.00%1.18%106.4%
Q3 202568$601.5M9.84%0.00%1.18%107.2%
Q2 202568$597.6M9.76%0.00%1.17%101.6%
Q1 202567$588.2M9.32%0.00%1.15%98.7%
Q4 202467$614.5M9.12%0.00%0.97%91.5%
Q3 202466$580.7M9.20%0.00%0.95%101.8%
Q2 202466$566.7M9.31%0.01%0.93%96.0%

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 ratio10.31%
38th
Total risk-based capital12.76%
55th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.26%
51st
Net interest margin4.07%
57th
Efficiency ratio55.5%
71st
Loans to deposits101.5%
8th
Uninsured deposits32.7%
21st
Loan-loss reserves0.99%
26th
Texas ratio0.0%
95th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Marion County State BankBank Pella, IA75 out of 100, Strong$628.6M10.4%0.27%vs
Farmers Trust and Savings BankBank Spencer, IA57 out of 100, Moderate$618.0M9.5%1.45%vs
Farmers & Merchants Savings BankBank Manchester, IA61 out of 100, Moderate$616.8M12.4%1.70%vs
Community Savings BankBank Edgewood, IA65 out of 100, Moderate$613.6M10.1%0.63%vs

Deposit insurance

Is my money safe at Liberty National Bank?

Yes. Liberty National Bank is an FDIC-insured institution (FDIC certificate #57505). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.7% of deposits ($149.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.76% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Liberty National Bank lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Liberty National Bank reported 38 home-loan applications under HMDA (LEI 549300OZ8A612R2D8J95): 33 originated ($10,245,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.4%, 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 National Bank
Type
National bank
FDIC certificate #
57505
RSSD ID
3140822
Primary regulator
OCC
Holding company
215 Holding Co
Established
March 17, 2003
Headquarters
4425 Singing Hills Blvd, Sioux City, IA 51106
Employees
55

Quick answers

Liberty National Bank: common questions

Is Liberty National Bank FDIC insured?

Yes. Liberty National Bank is an FDIC-insured institution (FDIC certificate #57505). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty National Bank's TellerScore?

71 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 National Bank ever failed?

There is no failure record for FDIC certificate #57505 in the FDIC failed bank list.

How many branches does Liberty National Bank have?

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

Nearby

Highest-scoring banks and credit unions with branches near Sioux City

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Siouxland BankBank South Sioux City, NE88 out of 100, Very strong$88.3M12.4%0.00%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs