This institution is no longer active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

MASON CITY, IA · Supervised by FDIC

Est. 1957FDIC #17,731RSSD: FDIC-17731

Part ofLIBERTY FINANCIAL CORP→ View all charters

Outstanding Up

Current rating · Exam: October 1996

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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 1.26%

Is this bank safe?

LIBERTY BANK & TRUST earned an Outstanding CRA rating (1996), is financially strong (ROA +1.26%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

100 East State Street, MASON CITY, IA

County

Cerro Gordo County

Established

March 25, 1957

Total Assets

$110M(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

October 1, 1996

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

$110M

Total Deposits

$98M

Net Loans

$86M

Net Income

$1M

ROA

1.26%

Above avg for Small banks. Peer avg: 0.44%

ROE

16.91%

Risk-Based Capital

10.01%

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).

ROA1.26%Peer avg: 0.44%▲ Above avg

Risk-Based Capital10.01%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
Oct 1996	Outstanding	Small Bank
Nov 1994	Satisfactory	Not Reported
Mar 1993	Satisfactory	Not Reported

2 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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