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Liberty Bank Minnesota
Saint Cloud, MN · FDIC Certificate #26891 · Chartered 01/0
Total assets
$290.25M
Total deposits
$262.91M
Total equity
$26.86M
Net loans
$135.91M
Branches (offices)
6
Net income (YTD)
$1.50M
Rank: #2,521 of 4,213 U.S. banks by assets · #94 of 221 in Minnesota. Assets changed 5.6% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 10.97% |
| Net interest margin (YTD) | 3.16% |
| Equity to assets | 9.25% |
| Tier 1 leverage ratio | 12.90% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 51.7% |
| Real estate loans (share of loans) | 97.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $132.78M | 97.7% | |
| Commercial & industrial | $269.00K | 0.2% | |
| Consumer / individual | $4.20M | 3.1% | |
| Construction & development | $4.76M | 3.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $291.76M | $271.87M | $3.29M | $19.67M |
| Jun 2023 | $273.46M | $253.94M | $1.62M | $18.61M |
| Jun 2024 | $271.38M | $236.70M | $962.00K | $20.27M |
| Jun 2025 | $274.88M | $249.67M | $1.30M | $24.41M |
| Jun 2026 | $290.25M | $262.91M | $1.50M | $26.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $262.91M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $262.91M.
Similar-sized banks
Somerville Bank ($290.63M) · United State Bank ($290.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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