TellerScore

Liberty State Bank (FDIC certificate #17096) is based in Powers Lake, North Dakota. Its Q2 2026 call report shows $159.0M in total assets and $142.2M in deposits and 1 office.

Liberty State Bank has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 60 banks headquartered in North Dakota, it ranks 2nd. Problem-loan coverage contributes the most (99/100, 0.3%); capital cushion contributes the least (87/100, 13.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.66%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings96/100
Return on assets (annualized): 1.90%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 40.7% · 25.9% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.30%

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 (90 → 93), mostly because the earnings component improved by 4 points.

TellerScore
899193Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202490
Q4 202491
Q1 202591
Q2 202590
Q3 202592
Q4 202591
Q1 202689
Q2 202693
Tier 1 leverage ratio
5.00%9.44%13.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.87%
Q3 202413.33%
Q4 202413.38%
Q1 202513.15%
Q2 202513.45%
Q3 202513.47%
Q4 202513.27%
Q1 202613.21%
Q2 202613.66%
Noncurrent loans
0.00%0.10%0.20%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 20250.19%
Q3 20250.00%
Q4 20250.02%
Q1 20260.20%
Q2 20260.09%
Return on assets
1.56%1.73%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.56%
Q3 20241.56%
Q4 20241.65%
Q1 20251.76%
Q2 20251.80%
Q3 20251.74%
Q4 20251.72%
Q1 20261.87%
Q2 20261.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$159.0M13.66%0.09%1.90%40.7%
Q1 202689$163.7M13.21%0.20%1.87%38.5%
Q4 202591$157.6M13.27%0.02%1.72%41.1%
Q3 202592$151.6M13.47%0.00%1.74%42.1%
Q2 202590$141.4M13.45%0.19%1.80%41.7%
Q1 202591$145.4M13.15%0.00%1.76%36.6%
Q4 202491$139.7M13.38%0.00%1.65%37.2%
Q3 202490$137.1M13.33%0.00%1.56%40.4%
Q2 202492$133.0M13.87%0.00%1.56%41.9%

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 ratio13.66%
80th
Total risk-based capital0.00%
24th
Problem loans0.09%
75th
Net charge-offs0.04%
31st
Return on assets1.90%
84th
Net interest margin3.06%
11th
Efficiency ratio33.6%
99th
Loans to deposits40.7%
96th
Uninsured deposits25.9%
43rd
Loan-loss reserves1.78%
90th
Texas ratio0.3%
81st

Similar-size banks in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
The Goose River BankBank Mayville, ND62 out of 100, Moderate$173.4M11.5%1.71%vs
Farmers and Merchants State BankBank Langdon, ND74 out of 100, Strong$143.1M15.7%1.86%vs
First National Bank and Trust Co. of BottineauBank Bottineau, ND83 out of 100, Strong$175.9M13.6%0.75%vs
Commercial Bank of MottBank Mott, ND87 out of 100, Very strong$140.0M13.1%0.00%vs
Lincoln State BankBank Hankinson, ND76 out of 100, Strong$125.1M10.0%0.15%vs
First State Bank of GolvaBank Golva, ND55 out of 100, Moderate$123.5M9.0%2.51%vs

Deposit insurance

Is my money safe at Liberty State Bank?

Yes. Liberty State Bank is an FDIC-insured institution (FDIC certificate #17096). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.9% of deposits ($36.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.66%, 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%).

Check how much of your own balance is covered

1 location

Branches

Liberty State Bank lists 1 office in 1 city. Most locations:

  • Powers Lake, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
Liberty State Bank
Type
State-chartered bank
FDIC certificate #
17096
RSSD ID
883351
Primary regulator
FDIC
Holding company
Liberty Bcorp Inc
Established
April 17, 1952
Headquarters
111 Main St, Powers Lake, ND 58773
Employees
11

Quick answers

Liberty State Bank: common questions

Is Liberty State Bank FDIC insured?

Yes. Liberty State Bank is an FDIC-insured institution (FDIC certificate #17096). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Liberty State Bank's TellerScore?

93 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 State Bank ever failed?

There is no failure record for FDIC certificate #17096 in the FDIC failed bank list.

How many branches does Liberty State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Powers Lake

InstitutionScoreAssetsCapitalProblem loansCompare
BNC National BankBank Glendale, AZ71 out of 100, Strong$1.0B12.2%0.84%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs
The Bank of TiogaBank Tioga, ND63 out of 100, Moderate$412.1M9.4%1.15%vs