Liberty Bank
Middletown, CT
IDRSSD: 587800
Total Assets
$8.98B
Latest filing
Total Deposits
$6.95B
Latest filing
Net Interest Margin
3.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Liberty Bank
245 Long Hill Rd
Middletown, CT 06457
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/15/1825FDIC Certificate 11877
Branches (50)
Page 1 of 8| Name | Address | City / State |
|---|---|---|
| Liberty Bank (Main) | 245 Long Hill Rd | Middletown, CT |
| MOODUS BRANCH | 29f Palmer Rd | Moodus, CT |
| OLD SAYBROOK BRANCH | 90 Main St | Old Saybrook, CT |
| PORTLAND BRANCH | 245 Main St | Portland, CT |
| WATERFORD BRANCH | 165 Boston Post Rd | Waterford, CT |
| MIDDLETOWN SOUTH MAIN BRANCH | 460 S Main St | Middletown, CT |
| MYSTIC BRANCH | 27 Coogan Blvd | Mystic, CT |
| MARLBOROUGH BRANCH | 26 E Hampton Rd | Marlborough, CT |
Showing 7 of 50
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 05/15/1825 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 06457 |
| State and County Number | 09130 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 876 |
| Domestic Offices | 54 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/30/2025 |
| Date of Deposit Insurance | 01/02/1959 |
| Primary Insurance Agency | DIF |
| Website | www.liberty-bank.com |
| Data Updated | 01/30/2026 |
| CERT | 17943 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $8.98B |
| Total Deposits | $6.95B |
| Total Liabilities | $7.81B |
| Total Equity Capital | $1.17B |
| Net Income | $15.35M |
| Net Loans and Leases | $6.90B |
| Assets Per Employee ($Millions) | $10.21M |
| Bank Premises and Fixed Assets | $58.40M |
| Cash and Balances due from Depository Institutions | $193.24M |
| Deposits Held in Domestic Offices | $6.95B |
Key Performance Ratios
| Return on Assets (ROA) | 0.7% |
| Return on Equity (ROE) | 5.27% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 76.53% |
| Tier 1 Risk-Based Capital Ratio | 13.617% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.046% |
| Earning Assets to total Assets | 93.68% |
Income and Expense
| Total Interest Income | $108.59M |
| Total Noninterest Income | $16.62M |
| Total Interest Expense | $37.61M |
| Total Noninterest Expense | $67.17M |
| Net Interest Income | $70.98M |
| Pre-tax Net Operating Income | $11.36M |
| Provision for Credit Losses | $9.08M |
| 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 | $711.52M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $151.41M |
| Total Liabilities and Capital | $8.98B |
Securities
| Securities | $1.40B |
| Available-for-sale debt securities | $1.07B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Liberty Bank?
$8.98B as of the latest filing.
How much are Liberty Bank's total deposits?
$6.95B in total deposits.
Where is Liberty Bank located?
Middletown, CT.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
54.
When was it established?
05/15/1825.
What is the Return on Assets (ROA)?
0.7%.
How much are total loans and leases?
$6.90B (latest filing).
What is the total interest income (latest filing)?
$108.59M.