🏦Bank Scorer

LIBERTY BANK

GERALDINE, AL · Supervised by FDIC

Est. 1971FDIC #20,429RSSD: FDIC-20429
Part ofFIRST BCORP OF GERALDINE INC→ View all charters
Satisfactory Same

Current rating · Exam: February 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.62%

Institution Profile

FDIC BankFind

Address

40956 Alabama Highway 75, GERALDINE, AL

County

Dekalb County

Established

May 29, 1971

Total Assets

$238M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$238M

Total Deposits

$211M

Net Loans

$175M

Net Income

$959K

ROA

1.62%

ROE

14.74%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$192M

1-Year Change

+1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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