Headquartered in Wilmington, Ohio, Liberty Savings Bank, F.S.B. is a savings bank with $1.1B in total assets and $961.3M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1984.
Liberty Savings Bank, F.S.B. has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 151st. Problem-loan coverage contributes the most (74/100, 12.9%); earnings contributes the least (35/100, 0.36%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (51 → 52).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 48 |
| Q4 2024 | 50 |
| Q1 2025 | 51 |
| Q2 2025 | 51 |
| Q3 2025 | 51 |
| Q4 2025 | 51 |
| Q1 2026 | 48 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.45% |
| Q3 2024 | 8.32% |
| Q4 2024 | 8.35% |
| Q1 2025 | 8.43% |
| Q2 2025 | 8.94% |
| Q3 2025 | 9.24% |
| Q4 2025 | 9.42% |
| Q1 2026 | 9.43% |
| Q2 2026 | 9.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.24% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.30% |
| Q1 2026 | 1.37% |
| Q2 2026 | 1.42% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.14% |
| Q1 2026 | -0.11% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $1.1B | 9.61% | 1.42% | 0.36% | 80.4% |
| Q1 2026 | 48 | $1.1B | 9.43% | 1.37% | -0.11% | 80.2% |
| Q4 2025 | 51 | $1.1B | 9.42% | 1.30% | 0.14% | 79.7% |
| Q3 2025 | 51 | $1.1B | 9.24% | 1.31% | 0.20% | 81.0% |
| Q2 2025 | 51 | $1.1B | 8.94% | 1.19% | 0.26% | 81.1% |
| Q1 2025 | 51 | $1.2B | 8.43% | 1.13% | 0.26% | 79.9% |
| Q4 2024 | 50 | $1.2B | 8.35% | 1.24% | 0.35% | 84.7% |
| Q3 2024 | 48 | $1.3B | 8.32% | 1.26% | 0.42% | 96.9% |
| Q2 2024 | 46 | $1.2B | 8.45% | 1.60% | 0.57% | 101.5% |
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).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens National Bank of BlufftonBank Bluffton, OH | 71 out of 100, Strong | $1.1B | 11.0% | 0.66% | vs |
| The North Side Bank and Trust CompanyBank Cincinnati, OH | 74 out of 100, Strong | $1.2B | 11.2% | 0.10% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| The Merchants National BankBank Hillsboro, OH | 64 out of 100, Moderate | $1.3B | 8.9% | 0.53% | vs |
| Consumers National BankBank Minerva, OH | 65 out of 100, Moderate | $1.3B | 8.4% | 0.07% | vs |
| The Commercial and Savings Bank of Millersburg, OhioBank Millersburg, OH | 69 out of 100, Moderate | $1.3B | 10.2% | 0.84% | vs |
Deposit insurance
Is my money safe at Liberty Savings Bank, F.S.B.?
Yes. Liberty Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #32242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.2% of deposits ($223.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.08% (benchmark: 10%).
6 locations
Branches
Liberty Savings Bank, F.S.B. lists 6 offices in 5 cities across 2 states. Most locations:
- Sarasota, FL (2)
- Bradenton, FL (1)
- Lakewood Ranch, FL (1)
- Venice, FL (1)
- Wilmington, OH (1)
Identity & history
Profile
- Legal name
- Liberty Savings Bank, F.S.B.
- Type
- Savings bank
- FDIC certificate #
- 32242
- RSSD ID
- 839572
- Primary regulator
- OCC
- Holding company
- James R Powell Revocable Trust
- Established
- September 14, 1984
- Headquarters
- 2251 Rombach Ave, Wilmington, OH 45177
- Website
- www.libertysavingsbank.com
- Employees
- 92
Quick answers
Liberty Savings Bank, F.S.B.: common questions
Is Liberty Savings Bank, F.S.B. FDIC insured?
Yes. Liberty Savings Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #32242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Liberty Savings Bank, F.S.B.'s TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Liberty Savings Bank, F.S.B. ever failed?
There is no failure record for FDIC certificate #32242 in the FDIC failed bank list.
How many branches does Liberty Savings Bank, F.S.B. have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Wilmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Day Air Credit UnionCredit union Kettering, OH | 82 out of 100, Strong | $908.8M | 14.6% | 0.96% | vs |
| Kh Credit Union, Inc.Credit union Dayton, OH | 79 out of 100, Strong | $71.1M | 12.9% | 0.31% | vs |
| The First National Bank of BlanchesterBank Blanchester, OH | 77 out of 100, Strong | $77.7M | 10.6% | 0.15% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| Ih Credit Union, Inc.Credit union Springfield, OH | 74 out of 100, Strong | $362.7M | 16.0% | 1.70% | vs |