This institution is no longer active

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

LIBERTY BANK & TRUST

LAKE MILLS, IA · Supervised by FDIC

Est. 1928FDIC #8,501RSSD: FDIC-8501

Part ofLIBERTY FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: January 1996

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.83%

Is this bank safe?

LIBERTY BANK & TRUST earned an Outstanding CRA rating (1996), is financially strong (ROA +1.83%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

106 West Main Street, LAKE MILLS, IA

County

Winnebago County

Established

April 10, 1928

Total Assets

$38M(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, 1996

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 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

$38M

Total Deposits

$35M

Net Loans

$29M

Net Income

$647K

ROA

1.83%

Above avg for Small banks. Peer avg: 0.44%

ROE

24.12%

Risk-Based Capital

10.25%

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).

ROA1.83%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.25%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 1996	Outstanding	Not Reported
Sep 1994	Outstanding	Not Reported
Jun 1992	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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