Liberty Bank Minnesota

BankSaint Cloud, Minnesota
www.libertybankmn.com

Total Assets

$284.0M

Total Deposits

$255.2M

Branches

6

Established

1987

TFS Health Grade

$
C

75.3 / 100

Average financial health

How we grade

Liberty Bank Minnesota is a bank headquartered in Saint Cloud, Minnesota, established in 1987. With $284.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (75.3/100).

Capital & Safety

Tier 1 Capital Ratio
13.60%(8%)
Total Capital Ratio
26.85%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.08%(1%)
Return on Equity (ROE)
12.02%(10%)
Net Interest Margin
3.23%
Efficiency Ratio
74.26%(60%)

Lending & Liquidity

Total Loans
$136.9M
Loan-to-Deposit Ratio
53.09%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+6.95%
Deposit Growth (YoY)
+4.90%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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