Liberty Trust & Savings Bank is a state-chartered bank headquartered in Durant, Iowa, in business for about 121 years. At the end of Q2 2026 it reported $186.2M in total assets and $149.5M in deposits, with 3 offices.
Liberty Trust & Savings Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 29th. Capital cushion contributes the most (100/100, 20.65%); loan quality contributes the least (71/100, 0.86%).
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
From Q2 2025 to Q2 2026, the score fell 5 points (91 → 86), mostly because the loan quality component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 90 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 87 |
| Q1 2026 | 90 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.78% |
| Q3 2024 | 20.14% |
| Q4 2024 | 20.18% |
| Q1 2025 | 20.09% |
| Q2 2025 | 20.27% |
| Q3 2025 | 20.49% |
| Q4 2025 | 20.53% |
| Q1 2026 | 20.72% |
| Q2 2026 | 20.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $186.2M | 20.65% | 0.86% | 1.59% | 70.5% |
| Q1 2026 | 90 | $182.9M | 20.72% | 0.30% | 1.56% | 73.7% |
| Q4 2025 | 87 | $181.1M | 20.53% | 0.40% | 1.23% | 73.4% |
| Q3 2025 | 91 | $176.5M | 20.49% | 0.00% | 1.29% | 76.2% |
| Q2 2025 | 91 | $177.3M | 20.27% | 0.00% | 1.23% | 73.1% |
| Q1 2025 | 90 | $177.5M | 20.09% | 0.01% | 1.24% | 75.5% |
| Q4 2024 | 89 | $175.7M | 20.18% | 0.01% | 0.97% | 72.2% |
| Q3 2024 | 88 | $175.7M | 20.14% | 0.00% | 0.96% | 70.7% |
| Q2 2024 | 89 | $174.9M | 20.78% | 0.00% | 0.96% | 68.5% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bellevue State BankBank Bellevue, IA | 92 out of 100, Very strong | $187.7M | 14.3% | 0.16% | vs |
| Peoples Savings BankBank Wellsburg, IA | 56 out of 100, Moderate | $189.1M | 9.9% | 1.19% | vs |
| Danville State Savings BankBank New London, IA | 61 out of 100, Moderate | $182.6M | 12.4% | 2.27% | vs |
| St. Ansgar State BankBank Saint Ansgar, IA | 70 out of 100, Strong | $182.0M | 9.7% | 0.11% | vs |
| Farmers Trust & Savings BankBank Williamsburg, IA | 87 out of 100, Very strong | $191.6M | 23.1% | 0.34% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
Deposit insurance
Is my money safe at Liberty Trust & Savings Bank?
Yes. Liberty Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #10121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.7% of deposits ($37.0M) 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 20.65%, 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%).
3 locations
Branches
Liberty Trust & Savings Bank lists 3 offices in 3 cities. Most locations:
- Durant, IA (1)
- New Liberty, IA (1)
- Tipton, IA (1)
HMDA 2025
Mortgage lending
In 2025, Liberty Trust & Savings Bank reported 23 home-loan applications under HMDA (LEI 25490098IO3YI0XADR55): 21 originated ($2,235,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 Trust & Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10121
- RSSD ID
- 644646
- Primary regulator
- FDIC
- Holding company
- Liberty Bcorp
- Established
- January 1, 1905
- Headquarters
- 502 8th Ave, Durant, IA 52747
- Website
- www.mylibertytrust.com
- Employees
- 20
Quick answers
Liberty Trust & Savings Bank: common questions
Is Liberty Trust & Savings Bank FDIC insured?
Yes. Liberty Trust & Savings Bank is an FDIC-insured institution (FDIC certificate #10121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Liberty Trust & Savings Bank'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 Trust & Savings Bank ever failed?
There is no failure record for FDIC certificate #10121 in the FDIC failed bank list.
How many branches does Liberty Trust & Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Durant
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Members Community Credit UnionCredit union Muscatine, IA | 82 out of 100, Strong | $99.2M | 12.5% | 0.25% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |
| South Ottumwa Savings BankBank Ottumwa, IA | 77 out of 100, Strong | $565.4M | 13.0% | 0.83% | vs |