Liberty Bank Mortgage Rates, Fees & Info

Middletown, CT

LEI: 549300KWXO8FUM7L0E14

Tax ID: 06-0452570

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Liberty Bank is a smaller bank specializing in Refi and Home Purchase loans. Liberty Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Hartford, New Haven, Norwich, Harrisburg, and Lancaster among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Liberty Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Liberty Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.21% 12/2/24
    30 Year Conventional Purchase 5.97% 12/2/24
    30 Year Conventional Refi 6.10% 12/2/24
    30 Year Cash-out Refi 6.04% 12/2/24
    30 Year FHA Purchase 7.03% 12/2/24
    30 Year VA Purchase 6.23% 12/2/24
    30 Year USDA Purchase 6.69% 12/2/24
    15 Year Conventional Purchase 5.80% 12/2/24
    15 Year Conventional Refi 5.74% 12/2/24
    15 Year Cash-out Refi 5.74% 12/2/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Liberty Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Liberty Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,988

    Origination Dollar Volume (All Markets)

    $799,010,000

    Employee count

    702

    Awards

    Liberty Bank 30 Year Conventional Loans bronze Liberty Bank 30 Year Conventional Loans bronze Liberty Bank 30 Year Conventional Loans bronze Liberty Bank 30 Year Conventional Loans gold
    Show all (4) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1,866 $404,730,000 $216,897 $3,268 3.08%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 583 $168,105,000 $288,345 $3,431 3.09%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 327 $58,405,000 $178,609 $2,714 3.12%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $48,060,000 $24,030,000 $0 3.44%
    LANCASTER, PA (FHA|USDA|VA) 1 $37,505,000 $37,505,000 $0 3.00%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 76 $30,230,000 $397,763 $3,606 3.01%
    Concord, NH (FHA|USDA|VA) 1 $21,605,000 $21,605,000 $0 5.00%
    Torrington, CT (FHA|USDA|VA) 47 $11,125,000 $236,702 $3,401 3.02%
    WORCESTER, MA-CT (FHA|USDA|VA) 67 $10,175,000 $151,866 $2,661 3.12%
    SPRINGFIELD, MA (FHA|USDA|VA) 4 $3,120,000 $780,000 $4,185 4.03%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 7 $2,995,000 $427,857 $3,307 3.45%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $1,865,000 $621,667 $3,915 3.08%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,090 3.22%
    Liberty Bank's top markets include Hartford, New Haven, Norwich, Harrisburg, and Lancaster among others.

    Their top states include:
  • Connecticut (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Liberty Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bridgewater Savings Bank
    Similarity Rank: 102
    Stafford Savings Bank
    Similarity Rank: 266
    WESTERLY COMMUNITY
    Similarity Rank: 345
    Collinsville Bank
    Similarity Rank: 490
    Middlesex Savings Bank
    Similarity Rank: 546
    CONWAY FINANCIAL SERVICES, LLC
    Similarity Rank: 565
    U S WIDE FINANCIAL LLC
    Similarity Rank: 608
    Centreville Bank
    Similarity Rank: 624
    Northern Bank & Trust Company
    Similarity Rank: 630
    Jeanne D'Arc Credit Union
    Similarity Rank: 684

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,039 $663,905,000 $325,603 $3,123 3.25%
    HELOC 907 $126,385,000 $139,344 n/a 2.72%
    FHA 38 $7,630,000 $200,789 $8,104 3.10%
    VA 3 $865,000 $288,333 $9,363 2.75%
    USDA 1 $225,000 $225,000 $5,882 3.50%

    For 2020, Liberty Bank's most frequently originated type of loan was Conventional, with 2,039 originations. Their 2nd most popular type was HELOC, with 907 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,090 $372,640,000 $341,872 $2,779 3.04%
    Home Purchase 816 $258,090,000 $316,287 $4,016 3.21%
    Home Improvement 416 $43,580,000 $104,760 $268 2.94%
    Cash Out Refi 395 $91,475,000 $231,582 $3,348 3.27%
    Other 271 $33,225,000 $122,601 $954 2.88%

    For 2020, Liberty Bank's most frequently cited loan purpose was Refi, with 1,090 originations. The 2nd most popular reason was Home Purchase, with 816 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,132 $436,170,000 $204,583 $3,745 3.06%
    15 Year 544 $114,960,000 $211,324 $2,699 2.93%
    20 Year 138 $32,970,000 $238,913 $2,945 3.38%
    10 Year 76 $53,200,000 $700,000 $579 3.76%
    5 Year 44 $50,700,000 $1,152,273 $7 3.79%
    30+ year 29 $12,365,000 $426,379 $3,991 3.48%
    Other 25 $98,645,000 $3,945,800 $4,238 3.50%

    For 2020, Liberty Bank's most frequently cited loan duration was 30 Year, with 2,132 originations. The 2nd most popular length was 15 Year, with 544 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,323 $309,745,000 $234,123
    $1k-2k 347 $84,725,000 $244,164
    $2k-3k 123 $27,875,000 $226,626
    $3k-4k 66 $19,380,000 $293,636
    $5k+ 26 $9,970,000 $383,462
    $4k-5k 22 $6,950,000 $315,909

    Liberty Bank's average total fees were $3,745, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,323 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,215 $305,585,000 $251,510
    2.5-3% 986 $326,430,000 $331,065
    <2.5% 658 $112,360,000 $170,760
    4-5% 121 $53,775,000 $444,421
    5-6% 7 $395,000 $56,429
    6-7% 1 $465,000 $465,000

    During 2020, Liberty Bank's average interest rate for loans was 3.06%, while their most frequently originated rate bucket for loans was 3-4%, with 1,215 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,083 $292,295,000 $269,894 $3,656 3.07%
    $100k-200k 1,007 $151,545,000 $150,492 $2,966 3.04%
    $100,000 or less 651 $37,835,000 $58,118 $1,127 3.14%
    $400k-600k 171 $80,765,000 $472,310 $4,281 3.12%
    $600k-1MM 49 $35,405,000 $722,551 $4,630 3.20%
    $1MM+ 27 $201,165,000 $7,450,556 $5,520 3.46%

    2020 saw Liberty Bank place emphasis on $200k-400k loans with 1,083 originations, totaling $292,295,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 711 $140,875,000 $198,136 $3,096 3.06%
    $150k-250k 650 $157,950,000 $243,000 $3,393 3.07%
    $75k-100k 531 $92,455,000 $174,115 $3,087 3.11%
    $50k-75k 530 $79,880,000 $150,717 $3,208 3.10%
    $250k+ 273 $105,985,000 $388,223 $3,803 3.02%
    $50k or less 227 $24,475,000 $107,819 $2,973 3.13%

    Liberty Bank lent most frequently to those with incomes in the $100k-150k range, with 711 originations. The second most popular income band? $150k-250k, with 650 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 909 $191,785,000 $210,985 $3,173 3.09%
    30-36% 586 $119,330,000 $203,635 $3,338 3.10%
    <20% 326 $71,050,000 $217,945 $2,888 3.04%
    40% 137 $27,785,000 $202,810 $3,186 3.05%
    39% 136 $27,240,000 $200,294 $3,224 2.95%
    42% 119 $26,155,000 $219,790 $2,815 3.15%
    41% 112 $23,910,000 $213,482 $3,276 3.12%
    44% 111 $16,935,000 $152,568 $3,931 3.00%
    36% 102 $19,460,000 $190,784 $2,968 3.12%
    38% 95 $21,605,000 $227,421 $3,563 3.13%
    37% 80 $15,170,000 $189,625 $3,302 3.07%
    43% 78 $12,610,000 $161,667 $4,738 2.94%
    49% 41 $6,955,000 $169,634 $3,648 2.97%
    48% 39 $8,725,000 $223,718 $3,539 3.18%
    45% 36 $7,630,000 $211,944 $3,458 3.06%
    47% 26 $5,470,000 $210,385 $3,085 3.06%
    46% 22 $4,470,000 $203,182 $3,384 3.25%
    50-60% 5 $1,315,000 $263,000 $5,226 3.25%

    Liberty Bank lent most frequently to those with DTI ratios of 20-30%, with 909 originations. The next most common DTI ratio? 30-36%, with 586 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,632 $541,330,000 $205,672 $3,179 3.08%
    Not applicable 25 $190,105,000 $7,604,200 $0 4.02%
    Asian 101 $25,485,000 $252,327 $3,608 3.09%
    Not provided 112 $20,140,000 $179,821 $3,135 3.09%
    Black 98 $16,700,000 $170,408 $4,280 3.03%
    Asian Indian 11 $3,865,000 $351,364 $3,341 3.01%
    American Indian 4 $670,000 $167,500 $3,654 2.94%
    Other Asian 2 $360,000 $180,000 $2,616 2.75%
    Native Hawaiian or Islander 2 $270,000 $135,000 $3,122 2.81%
    Chinese 1 $85,000 $85,000 $0 2.49%

    Approval Rates

    Total approvals of all applications
    89.19%

    Liberty Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.23%

    Liberty Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,988 $799,010,000 $267,406

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 23 $189,835,000 $8,253,696
    Single Family (1-4 Units):Site-Built 2,965 $609,175,000 $205,455

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 386 $42,750,000 $110,751 $2,097 2.80%
    40-60% 484 $103,070,000 $212,955 $2,755 2.94%
    60-80% 1,053 $449,825,000 $427,184 $3,212 3.19%
    80-100% 732 $187,260,000 $255,820 $4,085 3.10%
    Over 100% 2 $560,000 $280,000 $11,514 2.75%
    Under 20% 331 $15,545,000 $46,964 $90 3.26%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Liberty Bank 1030 Hamilton Ave Waterbury, CT 6706 Full Service B&M $40,829
    Liberty Bank 11 Hartford Avenue Granby, CT 6035 Full Service B&M $98,330
    Liberty Bank 1132 Storrs Road Mansfield, CT 6250 Full Service B&M $114,593
    Liberty Bank 1009 New Haven Road Naugatuck, CT 6770 Full Service B&M $49,882
    Liberty Bank 116 Bridge St Haddam, CT 6438 Full Service B&M $60,873
    Liberty Bank 1169 Farmington Avenue Berlin, CT 6037 Full Service B&M $75,105
    Liberty Bank 1190 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $74,726
    Liberty Bank 1232 Farmington Ave West Hartford, CT 6107 Full Service B&M $46,693
    Liberty Bank 127 South Main Street Beacon Falls, CT 6403 Full Service B&M $30,940
    Liberty Bank 1300 Main Street Newington, CT 6111 Full Service B&M $65,371
    Liberty Bank 1475 Whalley Avenue New Haven, CT 6515 Full Service B&M $30,529
    Liberty Bank 151 Main Street Deep River, CT 6417 Full Service B&M $103,197
    Liberty Bank 153 College Street New Haven, CT 6510 Full Service B&M $47,832
    Liberty Bank 1570 Southford Road Southbury, CT 6488 Full Service B&M $45,353
    Liberty Bank 160 Highland Avenue Cheshire, CT 6410 Full Service B&M $101,846
    Liberty Bank 165 Boston Post Road Waterford, CT 6385 Full Service B&M $145,860
    Liberty Bank 1703 West Main Street Willimantic, CT 6226 Full Service B&M $78,413
    Liberty Bank 171 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $66,911
    Liberty Bank 174 Washington Avenue North Haven, CT 6473 Full Service B&M $97,398
    Liberty Bank 2 West High Street East Hampton, CT 6424 Full Service B&M $103,329
    Liberty Bank 219 South Main Street Colchester, CT 6415 Full Service B&M $106,589
    Liberty Bank 245 Main Street Portland, CT 6480 Full Service B&M $149,107
    Liberty Bank 249 West Street Seymour, CT 6483 Full Service B&M $45,660
    Liberty Bank 2518 Whitney Avenue Hamden, CT 6518 Full Service B&M $46,904
    Liberty Bank 26 East Hampton Rd Marlborough, CT 6447 Full Service B&M $111,199
    Liberty Bank 26 Killingworth Road Higganum, CT 6441 Full Service B&M $52,469
    Liberty Bank 27 Coogan Blvd Mystic, CT 6355 Full Service B&M $67,411
    Liberty Bank 27 Dale Road Avon, CT 6001 Full Service B&M $79,080
    Liberty Bank 29 W.F. Palmer Road Moodus, CT 6469 Full Service B&M $83,148
    Liberty Bank 31 Norwich Rd Waterford, CT 6385 Full Service B&M $58,508
    Liberty Bank 314 Flanders Road East Lyme, CT 6333 Full Service B&M $100,349
    Liberty Bank 315 Main Street Middletown, CT 6457 Full Service B&M $640,219
    Liberty Bank 333 Church Street Naugatuck, CT 6770 Full Service B&M $129,793
    Liberty Bank 357 Main Street Durham, CT 6422 Full Service B&M $92,876
    Liberty Bank 445 West Main Street Branford, CT 6405 Full Service B&M $52,532
    Liberty Bank 460 South Main Street Middletown, CT 6457 Full Service B&M $139,257
    Liberty Bank 48 East Street Plainville, CT 6062 Full Service B&M $39,126
    Liberty Bank 486 Main Street Middlefield, CT 6455 Full Service B&M $46,304
    Liberty Bank 49 Pershing Drive Derby, CT 6418 Full Service B&M $35,039
    Liberty Bank 504 Bridgeport Avenue Shelton, CT 6484 Full Service B&M $51,914
    Liberty Bank 534 Main Street Cromwell, CT 6416 Full Service B&M $108,736
    Liberty Bank 597 Long Hill Road Groton, CT 6340 Full Service B&M $43,468
    Liberty Bank 60 North Main Street Southington, CT 6489 Full Service B&M $65,548
    Liberty Bank 61 Bank Street New London, CT 6320 Full Service B&M $21,277
    Liberty Bank 64 Oak Street Glastonbury, CT 6033 Full Service B&M $107,116
    Liberty Bank 679 Main Street Willimantic, CT 6226 Full Service B&M $87,872
    Liberty Bank 7 Main Street Essex, CT 6426 Full Service B&M $47,878
    Liberty Bank 72 Berlin Road Cromwell, CT 6416 Full Service B&M $132,473
    Liberty Bank 747 Farmington Avenue New Britain, CT 6053 Full Service B&M $34,586
    Liberty Bank 77 Salem Turnpike (Route 82) Norwich, CT 6360 Full Service B&M $70,861
    Liberty Bank 774 Farmington Avenue Bristol, CT 6010 Full Service B&M $40,919
    Liberty Bank 782 Park Ave Bloomfield, CT 6002 Full Service B&M $57,721
    Liberty Bank 8 East Main Street Clinton, CT 6413 Full Service B&M $88,370
    Liberty Bank 827 Washington Street Middletown, CT 6457 Full Service B&M $68,232
    Liberty Bank 852 East Main Street Meriden, CT 6450 Full Service B&M $51,788
    Liberty Bank 859 Boston Post Road Madison, CT 6443 Full Service B&M $62,127
    Liberty Bank 90 Main Street Old Saybrook, CT 6475 Full Service B&M $183,333
    Liberty Bank 909 North Colony Road Wallingford, CT 6492 Full Service B&M $126,914
    Liberty Bank 970 Farmington Ave West Hartford, CT 6107 Full Service B&M $103,070
    Liberty Bank 981 Hopmeadow Street Simsbury, CT 6070 Full Service B&M $195,805

    For 2020, Liberty Bank had 60 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $196,131
    Net interest income $154,373
    Total noninterest income $49,051
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $9,932
    Trading account gains and fees $0
    Additional Noninterest Income $39,119
    Pre-tax net operating income $5,360
    Securities gains (or losses, -) $42,369
    Income before extraordinary items $37,138
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,138
    Minority interest net income $0
    Net income $37,138
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $3,666

    Liberty Bank's gross interest income from loans was $196,131,000.
    Liberty Bank's net interest income from loans was $154,373,000.
    Liberty Bank's fee based income from loans was $9,932,000.
    Liberty Bank's net income from loans was $37,138,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $41,758
    Provision for credit losses $49,450
    Total noninterest expense $148,614
    Salaries and employee benefits $85,874
    Premises and equipment expense $22,945
    Additional noninterest expense $39,795
    Applicable income taxes $10,591
    Net charge-offs $4,650
    Cash dividends $0

    Liberty Bank's interest expense for loans was $41,758,000.
    Liberty Bank's payroll and benefits expense were $85,874,000.
    Liberty Bank's property, plant and equipment expenses $22,945,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,596,439
    Deposits held in domestic offices $5,596,439
    Deposits by Individuals, partnerships, and corporations $5,345,678
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $250,761
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $685,015
    Demand deposits $413,706
    Nontransaction accounts $4,911,424
    Money market deposit accounts (MMDAs) $1,456,896
    Other savings deposits (excluding MMDAs) $2,643,834
    Total time deposits $810,695
    Total time and savings deposits $5,182,733
    Noninterest-bearing deposits $1,550,364
    Interest-bearing deposits $4,046,075
    Retail deposits $5,447,703
    IRAs and Keogh plan accounts $130,329
    Brokered deposits $2,738
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,973,520
    Cash & Balances due from depository institutions $1,039,657
    Interest-bearing balances $978,483
    Total securities $1,164,881
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,469,911
    Loan and leases loss allowance $81,807
    Trading account assets $0
    Bank premises and fixed assets $53,440
    Other real estate owned $0
    Goodwill and other intangibles $72,920
    All other assets $172,711

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,973,520
    Total Liabilities $6,126,931
    Total deposits $5,596,439
    Interest-bearing deposits $4,046,075
    Deposits held in domestic offices $5,596,439
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $25,000
    Trading liabilities $0
    Other borrowed funds $397,333
    Subordinated debt $0
    All other liabilities $108,159

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,469,911
    Loan and leases loss allowance $81,807
    Total loans and leases (domestic) $4,551,718
    All real estate loans $3,476,712
    Real estate loans in domestic offices $3,476,712
    Construction and development loans $104,977
    Residential 1-4 family construction $17,711
    Other construction, all land development and other land $87,266
    Loans secured by nonfarm nonresidential properties $1,265,344
    Nonfarm nonresidential secured by owner-occupied properties $148,439
    Commercial real estate & other non-farm, non-residential $1,116,905
    Multifamily residential real estate $840,897
    1-4 family residential loans $1,265,494
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $1,033,189
    To non-U.S. addressees $0
    Loans to individuals $8,856
    Credit card loans $0
    Related Plans $198
    Consumer Auto Loans $880
    Other loans to individuals $7,778
    All other loans & leases $32,961
    Loans to foreign governments and official institutions $0
    Other loans $29,821
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $346,968
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,468
    Non 1-4 family restructured loans & leases $8,468
    Total loans and leases (foreign) $0

    Liberty Bank had $4,469,911,000 of loans outstanding in 2020. $3,476,712,000 of loans were in real estate loans. $104,977,000 of loans were in development loans. $840,897,000 of loans were in multifamily mortgage loans. $1,265,494,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $880,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 540 $139,893 $259,061
    Nonfarm, nonresidential loans - <$100k 38 $1,754 $46,158
    Nonfarm, nonresidential loans - $100-250k 197 $26,958 $136,843
    Nonfarm, nonresidential loans - $250k-1MM 305 $111,181 $364,528
    Commercial & Industrial, US addressed loans - <$1MM 3,041 $228,167 $75,030
    Commercial & Industrial, US addressed loans - <$100k 2,069 $51,242 $24,767
    Commercial & Industrial, US addressed loans - $100-250k 591 $58,018 $98,169
    Commercial & Industrial, US addressed loans - $250k-1MM 381 $118,907 $312,092