FDIC Cert #32242 · Wilmington, Ohio · Est. 1984

Liberty Savings Bank, F.S.B. - FDIC Bank Health Profile

A community-scale look at Liberty Savings Bank, F.S.B.'s own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.1B
Total assets
C
Health grade · Fair
0.14%
Return on assets
17.7%
Tier 1 capital

Data updated July 2026

The verdict

Liberty Savings Bank, F.S.B. earns a PlainBankData health grade of C (63/100), with well-capitalized at 17.67% Tier 1, 0.14% ROA, 88% efficiency ratio.

#956
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
17.67%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 32242 · OH C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3556/4307
  • PHOTO-FINISH First Federal Saving… · KY
  • TIER1-WELL 17.7% Tier 1
  • TEXAS-CLEAN 11.3% Texas
  • ROA-THIN 0.14% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: First Federal Savings and Loan Association, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Liberty Savings Bank, F.S.B.

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Bank · NC · ne…63/100First Federal Saving… · KY ·…63/100First Federal Saving… · KY ·…63/100Liberty Savings Bank… · OH ·…63/100West Plains Savings… · MO · …63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Liberty Savings Bank, F.S.B. · July 2026

Call Report read for Liberty Savings Bank, F.S.B. in a high-failure state

Liberty Savings Bank, F.S.B. (FDIC Cert #32242) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,556 of 4,307. Tier 1 capital prints at 17.67%, clearing the 10% well-capitalized line. The Texas Ratio is 11.32%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.14%. Balance-sheet scale is $1.1B, 956th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Savings and Loan Association (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Liberty Savings Bank, F.S.B.

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Liberty Savings Bank, F.S.B. sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Liberty Savings Bank, F.S.B.'s current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Liberty Savings Bank, F.S.B.'s 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
Liberty Savings Bank, F.S.B.'s composite health score
Tier 1 Capital Ratio (17.67%) 40/40
Return on Assets (ROA) (0.14%) 7/25
Texas Ratio (11.32%) 16/20
Efficiency Ratio (87.61%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$984M

Customer-funded liabilities

Net Loans

$785M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.27% 17.67% 19.07%
Basel III capital ratios - Liberty Savings Bank, F.S.B.

Where Liberty Savings Bank, F.S.B. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty Savings Bank, F.S.B.'s score of 63/100 falls in the highlighted band.

Liberty Savings Bank, F.S.B.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Liberty Savings Bank, F.S.B. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Liberty Savings Bank, F.S.B.'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 Savings Bank, F.S.B.'s $1.1B falls in the highlighted band.

Capital & credit buffers at Liberty Savings Bank, F.S.B.

Tier 1 capital ratio
Well-capitalized 10%

17.67% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.67%
Texas Ratio
11.32%
Equity Capital
$83M

What these ratios mean →

Profitability metrics: Liberty Savings Bank, F.S.B.

Return on Assets (ROA)
7th percentile nationally
0.14%
Return on Equity (ROE)
2.05%
Efficiency Ratio
87.61%

What these mean →

Income & expense at Liberty Savings Bank, F.S.B.

$57M
Interest Income
$1M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty Savings Bank, F.S.B. reports a Texas Ratio of 11.32% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

11.32% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Liberty Savings Bank, F.S.B. on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.1B here), outside Ohio so the neighborhood is not state containment.

EverTrust Bank $1.1B · CA First National Bank, Ames, Iowa $1.1B · IA Firstar Bank $1.1B · OK University Bank $1.1B · MI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty Savings Bank, F.S.B. (FDIC Cert #32242) - 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.

Liberty Savings Bank, F.S.B. Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%