🏦Bank Scorer

This institution is no longer active

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

LIBERTY BANK AND TRUST

FOREST CITY, IA · Supervised by FDIC

Est. 1988FDIC #27,239RSSD: FDIC-27239
Part ofLIBERTY FINANCIAL CORP→ View all charters
Outstanding Up

Current rating · Exam: January 1997

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 1.50%

Institution Profile

FDIC BankFind

Address

102 North Clark, FOREST CITY, IA

County

Winnebago County

Established

May 6, 1988

Total Assets

$65M(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, 1997

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

$65M

Total Deposits

$59M

Net Loans

$45M

Net Income

$900K

ROA

1.50%

ROE

20.13%

Risk-Based Capital

10.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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