Liberty Bank&Trust Co (FDIC #20856): Bank Stress & Real-Estate Credit Exposure
Liberty Bank&Trust Co (FDIC Cert #20856): bank stress 68/100, elevated, STABLE over 7 days; parent LIBERTY FINANCIAL SERVICES INC.
Liberty Bank&Trust Co (#20856) lends in 10 counties across 8 states; Liberty Bank&Trust Co (#20856) reaches 474 ZIP codes: Louisiana 2 counties, 48 ZIPs; Alabama 2 counties, 40 ZIPs; Illinois 1 county, 178 ZIPs; Michigan 1 county, 71 ZIPs; Missouri 1 county, 58 ZIPs; Tennessee 1 county, 41 ZIPs.
Liberty Bank&Trust Co (#20856) largest markets: Cook County, IL (178 branches, 178 ZIPs) (#20856), Wayne County, MI (71 branches, 71 ZIPs) (#20856), Jackson County, MO (58 branches, 58 ZIPs) (#20856), Shelby County, TN (41 branches, 41 ZIPs) (#20856), East Baton Rouge County, LA (56 branches, 28 ZIPs) (#20856), Montgomery County, AL (28 branches, 28 ZIPs) (#20856).
Liberty Bank&Trust Co (#20856) reports $1.13 billion in total assets; Liberty Bank&Trust Co (#20856) equity $125.1 million (11.1% of Liberty Bank&Trust Co (#20856) assets); Liberty Bank&Trust Co (#20856) domestic deposits $984.4 million; Liberty Bank&Trust Co (#20856) net income $5.1 million; Liberty Bank&Trust Co (#20856) return on assets 0.92%; Liberty Bank&Trust Co (#20856) return on equity 8.29%; Liberty Bank&Trust Co (#20856) net interest income $21.3 million; Liberty Bank&Trust Co (#20856) call report June 30, 2026.
Liberty Bank&Trust Co (#20856) noncurrent real-estate loans 0.24% of its book; Liberty Bank&Trust Co (#20856) net charge-offs on real estate 1.08%; Liberty Bank&Trust Co (#20856) residential charge-offs 1.07%.
Liberty Bank&Trust Co (#20856) net interest margin 4.14% against an eight-quarter Liberty Bank&Trust Co (#20856) average of 4.09% (Liberty Bank&Trust Co (#20856) compression -0.05 points); Liberty Bank&Trust Co (#20856) real-estate loans 24.1% of equity; Liberty Bank&Trust Co (#20856) non-residential real estate 106.8% of equity; Liberty Bank&Trust Co (#20856) rate-exposure score 40/100, Liberty Bank&Trust Co (#20856) fixed-rate trap 40/100; Liberty Bank&Trust Co (#20856) risk type credit driven; Liberty Bank&Trust Co (#20856) rate regime rates elevated, Liberty Bank&Trust Co (#20856) snapshot October 19, 2026.
Liberty Bank&Trust Co (#20856) stress score moved from 66.9 on June 22, 2026 to 68.3 on October 19, 2026; Liberty Bank&Trust Co (#20856) ranged 66.9 to 68.3 over 116 snapshots.
Liberty Bank&Trust Co (#20856) alerts: 9 counties; top Liberty Bank&Trust Co (#20856) alert scores: Jackson County, LA 25 (low); Baton Rouge County, LA 22 (low); Detroit County, LA 22 (low); Forest Park County, LA 22 (low); Kansas City County, LA 22 (low).