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Liberty Savings Bank, F.S.B.
Wilmington, OH · FDIC Certificate #32242 · Chartered 09/1
Total assets
$1.11B
Total deposits
$961.32M
Total equity
$85.09M
Net loans
$772.58M
Branches (offices)
6
Net income (YTD)
$2.02M
Rank: #947 of 4,213 U.S. banks by assets · #35 of 155 in Ohio. Assets changed -0.9% and deposits -2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.36% |
| Return on equity | 4.84% |
| Net interest margin (YTD) | 1.62% |
| Equity to assets | 7.65% |
| Tier 1 leverage ratio | 9.61% |
| Uninsured deposits (share of deposits) | 23.2% |
| Noncurrent loans (share of loans) | 1.42% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 80.4% |
| Real estate loans (share of loans) | 90.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $700.22M | 90.6% | |
| Commercial & industrial | $6.17M | 0.8% | |
| Consumer / individual | $74.00M | 9.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.26B | $928.51M | $9.09M | $69.67M |
| Jun 2023 | $1.23B | $925.01M | $2.15M | $60.34M |
| Jun 2024 | $1.23B | $840.70M | $3.50M | $70.51M |
| Jun 2025 | $1.12B | $987.97M | $1.54M | $77.78M |
| Jun 2026 | $1.11B | $961.32M | $2.02M | $85.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $908.98M | 5 |
| Ohio | $52.34M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $961.32M.
Similar-sized banks
First Federal Bank ($1.11B) · First National Bank, Ames, Iowa ($1.11B)
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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