Liberty Bank Minnesota
Saint Cloud, MN
IDRSSD: 1387203
Total Assets
$284.04M
Latest filing
Total Deposits
$255.23M
Latest filing
Net Interest Margin
3.22%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Liberty Bank Minnesota
2842 2nd St S
Saint Cloud, MN 56301
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1987FDIC Certificate 36213
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Liberty Bank Minnesota (Main) | 2842 2nd St S | Saint Cloud, MN |
| SARTELL BRANCH | 198 Pine Cone Rd | Sartell, MN |
| MONTICELLO BRANCH | 1560 Hart Blvd | Monticello, MN |
| WESTWOOD BRANCH | 5803 Ridgewood Rd | Saint Cloud, MN |
| WAITE PARK BRANCH | 818 2nd St S | Waite Park, MN |
| BIG LAKE OFFICE BRANCH | 730 Humboldt Dr | Big Lake, MN |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1987 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56301 |
| State and County Number | 27145 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Cloud, MN |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1987 |
| Primary Insurance Agency | DIF |
| Website | www.libertybankmn.com |
| Data Updated | 01/30/2026 |
| CERT | 26891 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $284.04M |
| Total Deposits | $255.23M |
| Total Liabilities | $255.90M |
| Total Equity Capital | $28.14M |
| Net Income | $751.00k |
| Net Loans and Leases | $135.50M |
| Assets Per Employee ($Millions) | $6.61M |
| Bank Premises and Fixed Assets | $9.96M |
| Cash and Balances due from Depository Institutions | $40.91M |
| Deposits Held in Domestic Offices | $255.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 10.9% |
| Net Interest Margin | 3.22% |
| Efficiency Ratio | 75.12% |
| Tier 1 Risk-Based Capital Ratio | 25.915% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.908% |
| Earning Assets to total Assets | 90.95% |
Income and Expense
| Total Interest Income | $2.50M |
| Total Noninterest Income | $972.00k |
| Total Interest Expense | $448.00k |
| Total Noninterest Expense | $2.27M |
| Net Interest Income | $2.05M |
| Pre-tax Net Operating Income | $751.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $668.00k |
| Total Liabilities and Capital | $284.04M |
Securities
| Securities | $86.77M |
| Available-for-sale debt securities | $86.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Liberty Bank Minnesota?
$284.04M as of the latest filing.
How much are Liberty Bank Minnesota's total deposits?
$255.23M in total deposits.
Where is Liberty Bank Minnesota located?
Saint Cloud, MN.
What is the Net Interest Margin?
3.22%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1987.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$135.50M (latest filing).
What is the total interest income (latest filing)?
$2.50M.