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This institution is no longer active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

LAKE MILLS, IA · Supervised by FDIC

Est. 1928FDIC #8,501RSSD: FDIC-8501
Part ofLIBERTY FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: January 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

Adequate

ROA 1.83%

Institution Profile

FDIC BankFind

Address

106 West Main Street, LAKE MILLS, IA

County

Winnebago County

Established

April 10, 1928

Total Assets

$38M(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, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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

$38M

Total Deposits

$35M

Net Loans

$29M

Net Income

$647K

ROA

1.83%

ROE

24.12%

Risk-Based Capital

10.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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