FDIC Cert #17096 · Powers Lake, North Dakota · Est. 1952

Liberty State Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$158M
Total assets
A
Health grade · Excellent
1.72%
Return on assets
13.3%
Tier 1 capital

Data updated July 2026

The verdict

Liberty State Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.27% Tier 1, profitable at 1.72% ROA, efficient (39% cost ratio).

#3,291
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
13.27%
Tier 1 ratio - above the 10% well-capitalized line
83rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 17096 · ND A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #427/4307
  • PHOTO-FINISH Wilson & Muir Bank &… · KY
  • TIER1-WELL 13.3% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-STRONG 1.72% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Wilson & Muir Bank & Trust Company, 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 State Bank

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

Morgan Stanley Bank,… · UT ·…100/100Central Bank of Kans… · MO ·…95/100Liberty State Bank · ND · th…95/100Prosperity Bank · TX · near95/100Sunmark Community Bank · GA …95/100Wilson & Muir Bank &… · KY ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Liberty State Bank · July 2026

Plate reading for Liberty State Bank where failures stay rare

Liberty State Bank (FDIC Cert #17096) carries a PlainBankData health grade of A at 95/100, 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 #427 of 4,307. Tier 1 capital prints at 13.27%, clearing the 10% well-capitalized line. The Texas Ratio is 0.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.72%. Balance-sheet scale is $158M, 3,291st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Wilson & Muir Bank & Trust Company (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 State Bank

Zero FAILURE resolutions in North Dakota since 2000

Liberty State Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

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

How Liberty State Bank's 95/100 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 avg77/10095/100
Liberty State Bank's composite health score
Tier 1 Capital Ratio (13.27%) 35/40
Return on Assets (ROA) (1.72%) 25/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (38.61%) 15/15

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

Balance sheet at a glance

Total Assets

$158M

Total balance-sheet footings

Total Deposits

$142M

Customer-funded liabilities

Net Loans

$58M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.87% 13.27% 14.67%
Basel III capital ratios - Liberty State Bank

Where Liberty State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty State Bank's score of 95/100 falls in the highlighted band.

Liberty State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 10% higher than 90% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Liberty State Bank 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 State Bank'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 State Bank's $158M falls in the highlighted band.

Safety metrics: Liberty State Bank

Tier 1 capital ratio
Well-capitalized 10%

13.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.27%
Texas Ratio
0.08%
Equity Capital
$15M

What these ratios mean →

Earnings posture at Liberty State Bank

Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
21.17%
Efficiency Ratio
38.61%

What these mean →

Income & expense at Liberty State Bank

$7M
Interest Income
$170K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty State Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Liberty State Bank on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($158M here), outside North Dakota so the neighborhood is not state containment.

West Central Georgia Bank $158M · GA PNB Community Bank $158M · FL Bank of Estes Park $157M · CO Northeast Missouri State Bank $158M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty State Bank (FDIC Cert #17096) - 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 State Bank Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
Bell BankFargo $14.4B C 0.59%
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%