Liberty Bank, Inc.

Chartered Bank Active FDIC Insured
Health Score
4.0 / 10

79 S Main St, Salt Lake City, UT 84111

Financial Overview

Total Assets $12.4M
Total Deposits $7.7M
Profitability (ROA) -8.54%
Shareholder Return (ROE) -24.08%
Capital Cushion (Eq/Assets) 35.22%
Established 11/05/1956

Financial Health Analysis

Liberty Bank, Inc. is a currently active other specialized under 1 billion banking institution headquartered in Salt Lake City, Utah. Established in 11/05/1956, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Liberty Bank, Inc. manages $12.4M in total assets and holds $7.7M in customer deposits. When evaluating the stability of Liberty Bank, Inc., one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 35.22%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is -8.54%, while its Return on Equity (ROE) sits at -24.08%. These figures yield a lower health score of 4.0 out of 10, indicating potential areas for operational improvement and tighter capital management.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$7.7M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.libertybankofutah.com

FDIC Certificate #: 26816

Specialization: Other Specialized Under 1 Billion

Location

79 S Main St

Salt Lake City, Utah 84111

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