Liberty Bank (FDIC #20429): Bank Stress & Real-Estate Credit Exposure
Liberty Bank (FDIC Cert #20429): bank stress 55/100, moderate, STABLE over 7 days; parent FIRST BCORP OF GERALDINE INC.
Liberty Bank (#20429) lends in 4 counties across 1 state; Liberty Bank (#20429) reaches 59 ZIP codes: Alabama 4 counties, 59 ZIPs.
Liberty Bank (#20429) largest markets: Dekalb County, AL (72 branches, 24 ZIPs) (#20429), Marshall County, AL (36 branches, 18 ZIPs) (#20429), Blount County, AL (17 branches, 17 ZIPs) (#20429), Etowah County, AL (15 branches, 15 ZIPs) (#20429).
Liberty Bank (#20429) reports $258.6 million in total assets; Liberty Bank (#20429) equity $27.4 million (10.6% of Liberty Bank (#20429) assets); Liberty Bank (#20429) domestic deposits $229.9 million; Liberty Bank (#20429) net income $2.1 million; Liberty Bank (#20429) return on assets 1.69%; Liberty Bank (#20429) return on equity 15.57%; Liberty Bank (#20429) net interest income $5.7 million; Liberty Bank (#20429) call report June 30, 2026.
Liberty Bank (#20429) noncurrent real-estate loans: none reported; Liberty Bank (#20429) net charge-offs on real estate 0.08%.
Liberty Bank (#20429) net interest margin 4.93% against an eight-quarter Liberty Bank (#20429) average of 4.76% (Liberty Bank (#20429) compression -0.17 points); Liberty Bank (#20429) rate-exposure score 40/100, Liberty Bank (#20429) fixed-rate trap 40/100; Liberty Bank (#20429) risk type credit driven; Liberty Bank (#20429) rate regime rates elevated, Liberty Bank (#20429) snapshot October 20, 2026.
Liberty Bank (#20429) stress score moved from 53 on June 22, 2026 to 54.7 on October 20, 2026; Liberty Bank (#20429) ranged 53 to 54.7 over 117 snapshots.
Liberty Bank (#20429) alerts: 4 counties; top Liberty Bank (#20429) alert scores: Altoona County, AL 20 (low); Boaz County, AL 20 (low); Geraldine County, AL 20 (low); Guntersville County, AL 20 (low).