| Weiss Ratings |
Liberty Bank
Geraldine, AL |
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| Rating | ||||
| Asset Quality Index | 8.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 1.80 | |||
| Profitability Index | 8.20 | |||
| Stability Index | 5.00 | |||
| Company Info |
Liberty Bank
Geraldine, AL |
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| FDIC Number | 20429 | |||
| Phone Number | (256) 659-2175 | |||
| Website | www.libertybankal.com | |||
| Asset Quality |
Liberty Bank
Geraldine, AL |
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| 1-Year Asset Growth | 12.48% | |||
| 5-Year Asset Growth | 7.88% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 1.53% | |||
| Non-Performing Loans to Loans | 0.15% | |||
| Balance Sheet |
Liberty Bank
Geraldine, AL |
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| Total Assets | 231.45M | |||
| Total Deposits | 204.81M | |||
| Capital and Reserves |
Liberty Bank
Geraldine, AL |
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| Capital | 25.80M | |||
| Leverage Ratio | 11.99 | |||
| Loan Loss Reserves to Loans | 1.02% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Liberty Bank
Geraldine, AL |
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| Hot Money Ratio | 31.81% | |||
| Liquidity Ratio | 24.25% | |||
| Profitability |
Liberty Bank
Geraldine, AL |
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| 5-Year Return on Average Assets | 1.19% | |||
| Net Income | 2.56M | |||
| Net Interest Spread | 4.92% | |||
| Operating Profit to Average Assets | 2.04% | |||
| Overhead Efficiency Ratio | 56.70% | |||
| Return on Assets | 1.58% | |||
| Return on Equity | 14.26% | |||