Liberty Bank, Inc.
79 S Main St, Salt Lake City, UT 84111
Financial Overview
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