Liberty Bank
Geraldine, AL
IDRSSD: 386432
Total Assets
$231.45M
Latest filing
Total Deposits
$204.81M
Latest filing
Net Interest Margin
5.14%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Liberty Bank
40956 Alabama Highway 75
Geraldine, AL 35974
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/29/1971FDIC Certificate 14081
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Liberty Bank (Main) | 40956 Alabama Highway 75 | Geraldine, AL |
| SARDIS ROAD BRANCH | 1660 Sardis Dr | Sardis City, AL |
| CROSSVILLE BRANCH | 15053 Alabama Highway 68 | Crossville, AL |
| COLLINSVILLE BRANCH | 5350 Alabama Highway 68 | Collinsville, AL |
| SNEAD BRANCH | 87615 Us Highway 278 | Altoona, AL |
| ALBERTVILLE BRANCH | 305 N Broad St | Albertville, AL |
| GUNTERSVILLE BRANCH | 1302 Gunter Ave | Guntersville, AL |
Showing 6 of 6
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/29/1971 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35974 |
| State and County Number | 01049 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Fort Payne, AL |
Operational Info
| Number of Employees | 57 |
| Domestic Offices | 7 |
| 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 | 05/29/1971 |
| Primary Insurance Agency | DIF |
| Website | https://www.libertybankal.com |
| Data Updated | 11/14/2025 |
| CERT | 20429 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $231.45M |
| Total Deposits | $204.81M |
| Total Liabilities | $205.66M |
| Total Equity Capital | $25.80M |
| Net Income | $1.00M |
| Net Loans and Leases | $159.96M |
| Assets Per Employee ($Millions) | $4.37M |
| Bank Premises and Fixed Assets | $7.49M |
| Cash and Balances due from Depository Institutions | $3.29M |
| Deposits Held in Domestic Offices | $204.81M |
Key Performance Ratios
| Return on Assets (ROA) | 1.79% |
| Return on Equity (ROE) | 16.04% |
| Net Interest Margin | 5.14% |
| Efficiency Ratio | 52.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.146% |
| Earning Assets to total Assets | 94.34% |
Income and Expense
| Total Interest Income | $3.67M |
| Total Noninterest Income | $242.00k |
| Total Interest Expense | $954.00k |
| Total Noninterest Expense | $1.54M |
| Net Interest Income | $2.71M |
| Pre-tax Net Operating Income | $1.30M |
| Provision for Credit Losses | $110.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $28.26M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $848.00k |
| Total Liabilities and Capital | $231.45M |
Securities
| Securities | $29.43M |
| Available-for-sale debt securities | $28.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Liberty Bank?
$231.45M as of the latest filing.
How much are Liberty Bank's total deposits?
$204.81M in total deposits.
Where is Liberty Bank located?
Geraldine, AL.
What is the Net Interest Margin?
5.14%.
How many domestic offices does it operate?
7.
When was it established?
05/29/1971.
What is the Return on Assets (ROA)?
1.79%.
How much are total loans and leases?
$159.96M (latest filing).
What is the total interest income (latest filing)?
$3.67M.