Total Assets
$284M
Total balance-sheet footings
FDIC Cert #26891 · Saint Cloud, Minnesota · Est. 1987
Liberty Bank Minnesota - FDIC Bank Health Profile
A community-scale look at Liberty Bank Minnesota's own numbers, pulled straight from its quarterly FDIC Call Report.
- $284M
- Total assets
- A
- Health grade · Excellent
- 1.08%
- Return on assets
- 25.9%
- Tier 1 capital
Data updated July 2026
The verdict
Liberty Bank Minnesota earns a PlainBankData health grade of A (84/100), with well-capitalized at 25.92% Tier 1, profitable at 1.08% ROA, 74% efficiency ratio.
- #2,576
- largest of 4,313 FDIC banks by assets
- 40th
- percentile by asset size, nationally
- 25.92%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Liberty Bank Minnesota's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Liberty Bank Minnesota's composite health score
Tier 1 Capital Ratio (25.92%) 40/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (74.26%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$255M
Customer-funded liabilities
Net Loans
$136M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Liberty Bank Minnesota ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty Bank Minnesota's score of 84/100 falls in the highlighted band.
Liberty Bank Minnesota's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Liberty Bank Minnesota's $284M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.92% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.92%
Texas Ratio
0.00%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.08%
Return on Equity (ROE)
12.02%
Efficiency Ratio
74.26%
What the numbers say about Liberty Bank Minnesota
Liberty Bank Minnesota is an FDIC-insured institution (Certificate #26891) headquartered in Saint Cloud, Minnesota, established in 1987. It holds $284M in total assets - 2,576th of 4,313 FDIC-insured banks, $255M in customer deposits, and $136M in net loans. Its capital position: a Tier 1 ratio of 25.92%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Liberty Bank Minnesota sits 90th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty Bank Minnesota reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty Bank Minnesota (FDIC Cert #26891) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Liberty Bank Minnesota's health grade?▼
Liberty Bank Minnesota receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Liberty Bank Minnesota?▼
Liberty Bank Minnesota holds $284M in total assets and $255M in deposits, ranking 2,576th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Cloud, Minnesota.
Is my money safe at Liberty Bank Minnesota?▼
Yes, deposits at Liberty Bank Minnesota (Certificate #26891) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Liberty Bank Minnesota's Tier 1 Capital Ratio?▼
Liberty Bank Minnesota has a Tier 1 Capital Ratio of 25.92%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Liberty Bank Minnesota?▼
Liberty Bank Minnesota has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Liberty Bank Minnesota?▼
Liberty Bank Minnesota has an Efficiency Ratio of 74.26%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Liberty Bank Minnesota's profile as a depositor or analyst.
- Liberty Bank Minnesota's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Liberty Bank Minnesota against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.