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Liberty State Bank
Powers Lake, ND · FDIC Certificate #17096 · Chartered 04/1
Total assets
$159.05M
Total deposits
$142.17M
Total equity
$16.12M
Net loans
$57.92M
Branches (offices)
1
Net income (YTD)
$1.52M
Rank: #3,236 of 4,213 U.S. banks by assets · #38 of 60 in North Dakota. Assets changed 12.5% and deposits 11.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 19.99% |
| Net interest margin (YTD) | 3.06% |
| Equity to assets | 10.14% |
| Tier 1 leverage ratio | 13.66% |
| Uninsured deposits (share of deposits) | 25.9% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 40.7% |
| Real estate loans (share of loans) | 51.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $29.52M | 51.0% | |
| Commercial & industrial | $3.40M | 5.9% | |
| Consumer / individual | $2.44M | 4.2% | |
| Construction & development | $252.00K | 0.4% | |
| Agricultural | $22.15M | 38.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $122.37M | $111.06M | $958.00K | $5.88M |
| Jun 2023 | $122.63M | $110.40M | $1.22M | $6.67M |
| Jun 2024 | $133.00M | $119.18M | $1.02M | $8.96M |
| Jun 2025 | $141.44M | $127.38M | $1.28M | $11.24M |
| Jun 2026 | $159.05M | $142.17M | $1.52M | $16.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $142.17M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $142.17M.
Similar-sized banks
Fannin Bank ($159.09M) · Bank Of Monticello ($159.03M)
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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