This institution is no longer active

Operations ceased on February 13, 1998. CRA examination history below reflects the period it was active.

LIBERTY BANK AND TRUST

FOREST CITY, IA · Supervised by FDIC

Est. 1988FDIC #27,239RSSD: FDIC-27239

Part ofLIBERTY FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: January 1997

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.50%

Is this bank safe?

LIBERTY BANK AND TRUST earned an Outstanding CRA rating (1997), is financially strong (ROA +1.50%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

102 North Clark, FOREST CITY, IA

County

Winnebago County

Established

May 6, 1988

Total Assets

$65M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q4 1997Call Report / FDIC

Total Assets

$65M

Total Deposits

$59M

Net Loans

$45M

Net Income

$900K

ROA

1.50%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.13%

Risk-Based Capital

10.09%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.50%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.09%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 1997	Outstanding	Small Bank
Dec 1994	Satisfactory	Not Reported
Jan 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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