Total Assets
$158M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$142M
Customer-funded liabilities
Net Loans
$58M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
21.17%
Efficiency Ratio
38.61%
What the numbers say about Liberty State Bank
Liberty State Bank is an FDIC-insured institution (Certificate #17096) headquartered in Powers Lake, North Dakota, established in 1952. It holds $158M in total assets - 3,291st of 4,313 FDIC-insured banks, $142M in customer deposits, and $58M in net loans. On safety, its Tier 1 capital ratio of 13.27% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.08% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (95/100), 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.
By assets, Liberty State Bank ranks 38th of 61 banks based in North Dakota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in North Dakota by total assets
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.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Liberty State Bank's health grade?▼
Liberty State Bank receives a health grade of A (95/100) 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 State Bank?▼
Liberty State Bank holds $158M in total assets and $142M in deposits, ranking 3,291st of 4,313 FDIC-insured banks by asset size. It is headquartered in Powers Lake, North Dakota.
Is my money safe at Liberty State Bank?▼
Yes, deposits at Liberty State Bank (Certificate #17096) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Liberty State Bank's Tier 1 Capital Ratio?▼
Liberty State Bank has a Tier 1 Capital Ratio of 13.27%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Liberty State Bank?▼
Liberty State Bank has a Texas Ratio of 0.08%. 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 State Bank?▼
Liberty State Bank has an Efficiency Ratio of 38.61%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Liberty State Bank's profile as a depositor or analyst.
- Liberty State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Liberty State Bank against other North Dakota banks before moving funds. North Dakota 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.