Liberty National Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (5.9) profitability.
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 10.3. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Comm re (21%), home mtgs (11%), securities (9%), comm loans (8%), cash (4%), home eq lns (2%), consumer loans (0%), other (45%)
States with Branches:
IA, SD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
215 Holding Co.
Investment Rating
--
Address
4425 Singing Hills Boulevard
Sioux City, IA 51106
Sioux City, IA 51106
Phone Number
(712) 224-4425
Year Founded
2003
FDIC Number
Website
Largest Affiliates
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