🏦Bank Scorer

LIBERTY BANK, INC.

SALT LAKE CITY, UT · Supervised by FDIC

Est. 1956FDIC #26,816RSSD: FDIC-26816
Part ofCACHE VALLEY BANKING CO→ View all charters
Substantial Noncompliance Same

Current rating · Exam: May 2024

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At a Glance

Community Lending (CRA)

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Financial Health

Needs Attention

ROA -8.54%

Institution Profile

FDIC BankFind

Address

79 S Main St, SALT LAKE CITY, UT

County

Salt Lake County

Established

November 5, 1956

Total Assets

$12M(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

Substantial Noncompliance

Serious failures in community lending obligations — can trigger regulatory consequences

Exam Date

May 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$12M

Total Deposits

$8M

Net Loans

—

Net Income

$-272K

ROA

-8.54%

ROE

-24.08%

Risk-Based Capital

102.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$8M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 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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