Vitals
  • Total Assets
    417.2M
  • Total Deposits
    376.6M
  • Total Net Loans
    285.2M
  • Net Income
    3.8M
  • Book Value
    37.5M
  • Book Value x2
    75.0M
  • Book Value x3
    112.5M
ROAA

1.269

ROAE

13.85

Efficiency Ratio

56.154

Net Interest Margin

4.452

Balance Sheet Highlights
Financial Highlights Liberty State Bank All Insured Commercial Banks in Minnesota
Balance Sheet $(000)
Total Assets 417,177 76,768
Total Net Loans 285,150 50,865
Total Deposits 376,645 64,866
Total Equity 37,486 7,498
Profitability
Net Income 3,837 1,151
Return on Average Assets 1.269 1.491
Return on Average Equity 13.85 15.209
Net Interest Margin 4.452 4.485
Efficiency Ratio 56.154 61.468
Noninterest Income/Revenue 7.892 12.332
Balance Sheet Ratios
Loan-to-Deposit 75.708 76.845
Securities/Assets .232 .302
Total Equity/Total Assets .09 .098
Tangible Equity/Tangible Assets .09 -.08
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 37,293 7,042
Tier 2 Capital 2,881 625
Total Capital 40,174 7,661
Total Risk Weighted Assets 301,528 56,095
Leverage Ratio 9.12 9.584
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.36 13.44
Total Capital Ratio 13.32 14.538

Timeline for Liberty State Bank

First Federal Capital Bank

Liberty State Bank was acquired by First Federal Capital Bank 20 years

View Profile Oct 11 2003

Liberty Bancshares, Inc.

Liberty Bancshares, Inc. became a new parent organization for Liberty State Bank.

View Profile Mar 27 1987

Janada Bancshares, Inc.

Janada Bancshares, Inc. became a new parent organization for Liberty State Bank.

View Profile Dec 30 1978

Liberty State Bank

Liberty State Bank was established 106 years ago and is currently headquartered in St. Paul, MN.

Sep 01 1917
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Federal Capital Bank Buyer 4,109,173 Discontinued 10/11/2003
Relationships Role Relationship Start Relationship End
Liberty Bancshares, Inc. Parent 3/27/1987 10/10/2003
Janada Bancshares, Inc. Parent 12/31/1984 3/26/1987
Janada Bancshares, Inc. Parent 12/30/1978 12/30/1984
Similar Organizations
Organization City State Total Assets
Security Financial Bank
 		Durand WI 412.8M
Central Bank Of Sedalia
 		Sedalia MO 411.4M
Bankliberty
 		Liberty MO 431.1M
Pioneer Bank
 		Mapleton MN 403.3M
The Andover Bank
 		Andover OH 401.2M
Northwestern Bank
 		Chippewa Falls WI 418.1M
The Hardin County Bank
 		Savannah TN 449.6M
Evolve Bank & Trust
 		West Memphis AR 412.0M
Pointbank
 		Pilot Point TX 456.7M
North American Banking Company
 		Roseville MN 383.5M