Total Assets
$1.1B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$984M
Customer-funded liabilities
Net Loans
$785M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.14%
Return on Equity (ROE)
2.05%
Efficiency Ratio
87.61%
What the numbers say about Liberty Savings Bank, F.S.B.
Liberty Savings Bank, F.S.B. is an FDIC-insured institution (Certificate #32242) headquartered in Wilmington, Ohio, established in 1984. It holds $1.1B in total assets - 956th of 4,313 FDIC-insured banks, $984M in customer deposits, and $785M in net loans. Looking at capital strength, Tier 1 stands at 17.67%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 11.32%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (63/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Ohio, Liberty Savings Bank, F.S.B. ranks 34th of 158 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Ohio by total assets
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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Liberty Savings Bank, F.S.B.'s health grade?▼
Liberty Savings Bank, F.S.B. receives a health grade of C (63/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Liberty Savings Bank, F.S.B.?▼
Liberty Savings Bank, F.S.B. holds $1.1B in total assets and $984M in deposits, ranking 956th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, Ohio.
Is my money safe at Liberty Savings Bank, F.S.B.?▼
Yes, deposits at Liberty Savings Bank, F.S.B. (Certificate #32242) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Liberty Savings Bank, F.S.B.'s Tier 1 Capital Ratio?▼
Liberty Savings Bank, F.S.B. has a Tier 1 Capital Ratio of 17.67%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Liberty Savings Bank, F.S.B.?▼
Liberty Savings Bank, F.S.B. has a Texas Ratio of 11.32%. A ratio below 50% is generally considered 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 Savings Bank, F.S.B.?▼
Liberty Savings Bank, F.S.B. has an Efficiency Ratio of 87.61%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Liberty Savings Bank, F.S.B.'s profile as a depositor or analyst.
- Liberty Savings Bank, F.S.B.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Liberty Savings Bank, F.S.B. against other Ohio banks before moving funds. Ohio 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.