This institution is no longer active

Operations ceased on August 1, 2004. CRA examination history below reflects the period it was active.

LIBERTY BANK, SSB

AUSTIN, TX · Supervised by FDIC

Est. 1986FDIC #32,466RSSD: FDIC-32466

Satisfactory Same

Current rating · Exam: April 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.94%

Institution Profile

FDIC BankFind

Address

900 Congress Avenue, AUSTIN, TX

County

Travis County

Established

April 1, 1986

Total Assets

$175M(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

April 1, 2004

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 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 Q2 2004Call Report / FDIC

Total Assets

$175M

Total Deposits

$158M

Net Loans

$119M

Net Income

$867K

ROA

0.94%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.76%

Risk-Based Capital

13.85%

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).

ROA0.94%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.85%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Apr 2004	Satisfactory	Small Bank
Mar 1999	Satisfactory	Small Bank
Sep 1995	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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