Total Assets
$181M
Total balance-sheet footings
FDIC Cert #10121 · Durant, Iowa · Est. 1905
Liberty Trust & Savings Bank - FDIC Bank Health Profile
A community-scale look at Liberty Trust & Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $181M
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 20.5%
- Tier 1 capital
Data updated July 2026
The verdict
Liberty Trust & Savings Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 20.53% Tier 1, profitable at 1.23% ROA, efficient (58% cost ratio).
- #3,147
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 20.53%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- 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 Trust & Savings Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Liberty Trust & Savings Bank's composite health score
Tier 1 Capital Ratio (20.53%) 40/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (1.22%) 20/20
Efficiency Ratio (57.79%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$146M
Customer-funded liabilities
Net Loans
$107M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Liberty Trust & Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Liberty Trust & Savings Bank's score of 92/100 falls in the highlighted band.
Liberty Trust & Savings 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 Trust & Savings Bank's $181M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.53%
Texas Ratio
1.22%
Equity Capital
$35M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
6.62%
Efficiency Ratio
57.79%
What the numbers say about Liberty Trust & Savings Bank
Liberty Trust & Savings Bank is an FDIC-insured institution (Certificate #10121) headquartered in Durant, Iowa, established in 1905. It holds $181M in total assets - 3,147th of 4,313 FDIC-insured banks, $146M in customer deposits, and $107M in net loans. Looking at capital strength, Tier 1 stands at 20.53%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.22%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (92/100), 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 Iowa, Liberty Trust & Savings Bank ranks 154th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$8M
Interest Income
$334K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Liberty Trust & Savings Bank reports a Texas Ratio of 1.22% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.22% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Liberty Trust & Savings Bank (FDIC Cert #10121) - 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 Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Liberty Trust & Savings Bank's health grade?▼
Liberty Trust & Savings Bank receives a health grade of A (92/100) 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 Trust & Savings Bank?▼
Liberty Trust & Savings Bank holds $181M in total assets and $146M in deposits, ranking 3,147th of 4,313 FDIC-insured banks by asset size. It is headquartered in Durant, Iowa.
Is my money safe at Liberty Trust & Savings Bank?▼
Yes, deposits at Liberty Trust & Savings Bank (Certificate #10121) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Liberty Trust & Savings Bank's Tier 1 Capital Ratio?▼
Liberty Trust & Savings Bank has a Tier 1 Capital Ratio of 20.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Liberty Trust & Savings Bank?▼
Liberty Trust & Savings Bank has a Texas Ratio of 1.22%. 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 Trust & Savings Bank?▼
Liberty Trust & Savings Bank has an Efficiency Ratio of 57.79%. 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 Trust & Savings Bank's profile as a depositor or analyst.
- Liberty Trust & Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Liberty Trust & Savings Bank against other Iowa banks before moving funds. Iowa 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.