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
  • Complaints
  • 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 small 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, Philadelphia, and Harrisburg among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Liberty Bank has an above 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% 4/22/24
    30 Year Conventional Purchase 5.97% 4/22/24
    30 Year Conventional Refi 6.10% 4/22/24
    30 Year Cash-out Refi 6.04% 4/22/24
    30 Year FHA Purchase 7.03% 4/22/24
    30 Year VA Purchase 6.23% 4/22/24
    30 Year USDA Purchase 6.69% 4/22/24
    15 Year Conventional Purchase 5.80% 4/22/24
    15 Year Conventional Refi 5.74% 4/22/24
    15 Year Cash-out Refi 5.74% 4/22/24
    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

    2,954

    Origination Dollar Volume (All Markets)

    $1,050,870,000

    Employee count

    670 Show all (8) 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) 1,812 $485,970,000 $268,195 $3,224 2.87%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 597 $199,655,000 $334,430 $3,583 3.00%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 309 $92,735,000 $300,113 $3,323 2.90%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $87,965,000 $17,593,000 $0 3.80%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $42,315,000 $42,315,000 $0 3.65%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $40,005,000 $40,005,000 $0 3.50%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 83 $26,575,000 $320,181 $3,776 2.83%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $25,360,000 $12,680,000 $0 4.24%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $18,005,000 $18,005,000 $0 4.00%
    WORCESTER, MA-CT (FHA|USDA|VA) 69 $10,325,000 $149,638 $2,649 2.86%
    Torrington, CT (FHA|USDA|VA) 40 $10,000,000 $250,000 $3,801 2.99%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 13 $3,715,000 $285,769 $6,056 2.79%
    SPRINGFIELD, MA (FHA|USDA|VA) 12 $3,710,000 $309,167 $3,582 3.24%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $3,145,000 $629,000 $3,960 3.05%
    PITTSFIELD, MA (FHA|USDA|VA) 3 $845,000 $281,667 $4,030 2.83%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $545,000 $545,000 $7,993 4.13%
    Liberty Bank's top markets include Hartford, New Haven, Norwich, Philadelphia, and Harrisburg among others.

    Their top states include:
  • Connecticut (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New York (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.

    Middlesex Savings Bank
    Similarity Rank: 174
    SCIENT Federal Credit Union
    Similarity Rank: 286
    Northern Bank & Trust Company
    Similarity Rank: 288
    Bridgewater Savings Bank
    Similarity Rank: 329
    POLISH NATIONAL
    Similarity Rank: 376
    Sanborn Mortgage Corporation
    Similarity Rank: 435
    BNB Bank
    Similarity Rank: 590
    Ridgewood Savings Bank
    Similarity Rank: 591
    Cambridge Savings Bank
    Similarity Rank: 693
    Milford Federal Bank
    Similarity Rank: 732

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,992 $911,420,000 $457,540 $3,218 3.04%
    HELOC 924 $130,170,000 $140,877 n/a 2.63%
    FHA 31 $7,035,000 $226,935 $8,127 2.65%
    VA 5 $1,645,000 $329,000 $8,568 2.95%
    USDA 2 $600,000 $300,000 $6,767 2.88%

    For 2021, Liberty Bank's most frequently originated type of loan was Conventional, with 1,992 originations. Their 2nd most popular type was HELOC, with 924 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 921 $425,745,000 $462,264 $2,998 2.85%
    Home Purchase 769 $343,605,000 $446,821 $4,080 2.97%
    Home Improvement 492 $129,020,000 $262,236 $407 2.84%
    Cash Out Refi 465 $112,285,000 $241,473 $3,427 3.04%
    Other 307 $40,215,000 $130,993 $1,006 2.83%

    For 2021, Liberty Bank's most frequently cited loan purpose was Refi, with 921 originations. The 2nd most popular reason was Home Purchase, with 769 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,181 $463,485,000 $212,510 $3,826 2.90%
    15 Year 430 $86,670,000 $201,558 $2,903 2.69%
    20 Year 169 $40,365,000 $238,846 $3,257 2.99%
    10 Year 106 $109,880,000 $1,036,604 $758 3.35%
    5 Year 46 $117,790,000 $2,560,652 $0 3.50%
    Other 20 $153,170,000 $7,658,500 $2,948 3.60%
    3 Year 2 $79,510,000 $39,755,000 $0 3.95%

    For 2021, Liberty Bank's most frequently cited loan duration was 30 Year, with 2,181 originations. The 2nd most popular length was 15 Year, with 430 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,209 $287,415,000 $237,730
    $1k-2k 338 $80,210,000 $237,308
    $2k-3k 125 $32,595,000 $260,760
    $3k-4k 51 $14,725,000 $288,725
    $5k+ 32 $12,400,000 $387,500
    $4k-5k 22 $7,770,000 $353,182

    Liberty Bank's average total fees were $3,826, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,209 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,110 $264,310,000 $238,117
    <2.5% 981 $170,275,000 $173,573
    3-4% 798 $582,410,000 $729,837
    4-5% 64 $33,610,000 $525,156
    5-6% 1 $265,000 $265,000

    During 2021, Liberty Bank's average interest rate for loans was 2.90%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,110 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,014 $150,970,000 $148,886 $2,901 2.84%
    $200k-400k 1,008 $270,410,000 $268,264 $3,863 2.90%
    $100,000 or less 643 $36,485,000 $56,742 $948 2.98%
    $400k-600k 188 $88,090,000 $468,564 $4,732 2.91%
    $600k-1MM 67 $49,295,000 $735,746 $4,920 2.97%
    $1MM+ 34 $455,620,000 $13,400,588 $4,960 3.45%

    2021 saw Liberty Bank place emphasis on $100k-200k loans with 1,014 originations, totaling $150,970,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 770 $149,560,000 $194,234 $3,154 2.91%
    $150k-250k 577 $149,535,000 $259,159 $3,878 2.89%
    $50k-75k 508 $78,860,000 $155,236 $3,063 2.89%
    $75k-100k 483 $84,635,000 $175,228 $3,169 2.88%
    $250k+ 307 $106,055,000 $345,456 $4,020 2.94%
    $50k or less 232 $27,360,000 $117,931 $2,941 2.88%

    Liberty Bank lent most frequently to those with incomes in the $100k-150k range, with 770 originations. The second most popular income band? $150k-250k, with 577 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 806 $171,320,000 $212,556 $3,252 2.90%
    30-36% 583 $125,725,000 $215,652 $3,273 2.90%
    <20% 366 $79,560,000 $217,377 $3,258 2.82%
    39% 153 $28,975,000 $189,379 $3,312 2.85%
    42% 133 $26,625,000 $200,188 $3,336 3.03%
    40% 129 $24,745,000 $191,822 $3,717 2.95%
    44% 118 $21,800,000 $184,746 $4,112 2.77%
    37% 111 $20,885,000 $188,153 $3,281 2.88%
    41% 105 $21,135,000 $201,286 $3,154 2.95%
    36% 97 $19,735,000 $203,454 $3,602 2.96%
    38% 96 $19,740,000 $205,625 $3,086 2.99%
    43% 81 $14,515,000 $179,198 $3,830 2.82%
    45% 42 $8,740,000 $208,095 $3,411 3.06%
    49% 26 $4,680,000 $180,000 $2,873 2.81%
    48% 25 $4,775,000 $191,000 $3,671 2.91%
    46% 22 $3,750,000 $170,455 $3,471 2.80%
    47% 20 $4,520,000 $226,000 $3,103 3.14%
    50-60% 5 $1,355,000 $271,000 $5,380 3.20%
    >60% 3 $435,000 $145,000 $5,499 3.04%

    Liberty Bank lent most frequently to those with DTI ratios of 20-30%, with 806 originations. The next most common DTI ratio? 30-36%, with 583 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,539 $519,275,000 $204,519 $3,275 2.90%
    Not applicable 31 $447,295,000 $14,428,871 $0 3.82%
    Not provided 155 $36,145,000 $233,194 $3,368 2.87%
    Black 130 $24,110,000 $185,462 $3,835 2.93%
    Asian 77 $19,945,000 $259,026 $3,683 2.92%
    Asian Indian 6 $1,700,000 $283,333 $3,336 2.96%
    American Indian 7 $1,005,000 $143,571 $3,282 2.76%
    Native Hawaiian or Islander 3 $565,000 $188,333 $4,217 2.91%
    Other Pacific Islander 2 $400,000 $200,000 $3,051 2.88%
    Chinese 2 $200,000 $100,000 $2,310 2.81%
    1 $155,000 $155,000 $7,091 2.50%
    Korean 1 $75,000 $75,000 $0 2.49%

    Approval Rates

    Total approvals of all applications
    90.52%

    Liberty Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.32%

    Liberty Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,954 $1,050,870,000 $355,745

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,954 $1,050,870,000 $355,745

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 423 $96,615,000 $228,404 $2,183 2.68%
    40-60% 527 $110,385,000 $209,459 $2,831 2.82%
    60-80% 1,059 $643,035,000 $607,210 $3,679 3.00%
    80-100% 548 $179,550,000 $327,646 $4,039 2.88%
    Over 100% 2 $690,000 $345,000 $7,623 3.13%
    Under 20% 393 $20,335,000 $51,743 $127 3.03%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Liberty Finance Co., Inc. Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Liberty Bank 1009 New Haven Road Naugatuck, CT 6770 Full Service B&M $54,490
    Liberty Bank 1030 Hamilton Ave Waterbury, CT 6706 Full Service B&M $38,357
    Liberty Bank 11 Hartford Avenue Granby, CT 6035 Full Service B&M $123,198
    Liberty Bank 1132 Storrs Road Mansfield, CT 6250 Full Service B&M $124,689
    Liberty Bank 116 Bridge St Haddam, CT 6438 Full Service B&M $72,663
    Liberty Bank 1169 Farmington Avenue Berlin, CT 6037 Full Service B&M $73,834
    Liberty Bank 1190 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $84,498
    Liberty Bank 1232 Farmington Ave West Hartford, CT 6107 Full Service B&M $52,491
    Liberty Bank 127 South Main Street Beacon Falls, CT 6403 Full Service B&M $37,703
    Liberty Bank 1300 Main Street Newington, CT 6111 Full Service B&M $65,488
    Liberty Bank 1475 Whalley Avenue New Haven, CT 6515 Full Service B&M $29,000
    Liberty Bank 151 Main Street Deep River, CT 6417 Full Service B&M $118,668
    Liberty Bank 153 College Street New Haven, CT 6510 Full Service B&M $82,646
    Liberty Bank 1570 Southford Road Southbury, CT 6488 Full Service B&M $35,946
    Liberty Bank 160 Highland Avenue Cheshire, CT 6410 Full Service B&M $102,872
    Liberty Bank 165 Boston Post Road Waterford, CT 6385 Full Service B&M $156,453
    Liberty Bank 1703 West Main Street Willimantic, CT 6226 Full Service B&M $87,486
    Liberty Bank 171 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $71,794
    Liberty Bank 174 Washington Avenue North Haven, CT 6473 Full Service B&M $100,900
    Liberty Bank 2 West High Street East Hampton, CT 6424 Full Service B&M $119,584
    Liberty Bank 219 South Main Street Colchester, CT 6415 Full Service B&M $119,248
    Liberty Bank 245 Main Street Portland, CT 6480 Full Service B&M $169,932
    Liberty Bank 249 West Street Seymour, CT 6483 Full Service B&M $45,153
    Liberty Bank 2518 Whitney Avenue Hamden, CT 6518 Full Service B&M $49,333
    Liberty Bank 26 East Hampton Rd Marlborough, CT 6447 Full Service B&M $124,397
    Liberty Bank 26 Killingworth Road Higganum, CT 6441 Full Service B&M $60,038
    Liberty Bank 27 Coogan Blvd Mystic, CT 6355 Full Service B&M $76,605
    Liberty Bank 27 Dale Road Avon, CT 6001 Full Service B&M $88,677
    Liberty Bank 29 W.F. Palmer Road Moodus, CT 6469 Full Service B&M $90,850
    Liberty Bank 31 Norwich Rd Waterford, CT 6385 Full Service B&M $62,384
    Liberty Bank 314 Flanders Road East Lyme, CT 6333 Full Service B&M $107,718
    Liberty Bank 315 Main St Middletown, CT 6457 Full Service B&M $773,098
    Liberty Bank 333 Church Street Naugatuck, CT 6770 Full Service B&M $126,109
    Liberty Bank 357 Main Street Durham, CT 6422 Full Service B&M $101,361
    Liberty Bank 445 West Main Street Branford, CT 6405 Full Service B&M $51,248
    Liberty Bank 460 South Main Street Middletown, CT 6457 Full Service B&M $148,748
    Liberty Bank 48 East Street Plainville, CT 6062 Full Service B&M $38,422
    Liberty Bank 486 Main Street Middlefield, CT 6455 Full Service B&M $52,440
    Liberty Bank 49 Pershing Drive Derby, CT 6418 Full Service B&M $87,664
    Liberty Bank 534 Main Street Cromwell, CT 6416 Full Service B&M $110,802
    Liberty Bank 597 Long Hill Road Groton, CT 6340 Full Service B&M $48,214
    Liberty Bank 60 North Main Street Southington, CT 6489 Full Service B&M $77,761
    Liberty Bank 61 Bank Street New London, CT 6320 Full Service B&M $24,353
    Liberty Bank 64 Oak Street Glastonbury, CT 6033 Full Service B&M $135,083
    Liberty Bank 679 Main Street Willimantic, CT 6226 Full Service B&M $97,921
    Liberty Bank 7 Main Street Essex, CT 6426 Full Service B&M $54,469
    Liberty Bank 72 Berlin Road Cromwell, CT 6416 Full Service B&M $147,666
    Liberty Bank 747 Farmington Avenue New Britain, CT 6053 Full Service B&M $39,090
    Liberty Bank 77 Salem Turnpike (Route 82) Norwich, CT 6360 Full Service B&M $75,531
    Liberty Bank 774 Farmington Avenue Bristol, CT 6010 Full Service B&M $39,727
    Liberty Bank 782 Park Ave Bloomfield, CT 6002 Full Service B&M $57,652
    Liberty Bank 8 East Main Street Clinton, CT 6413 Full Service B&M $102,443
    Liberty Bank 827 Washington Street Middletown, CT 6457 Full Service B&M $73,251
    Liberty Bank 852 East Main Street Meriden, CT 6450 Full Service B&M $60,865
    Liberty Bank 859 Boston Post Road Madison, CT 6443 Full Service B&M $62,329
    Liberty Bank 90 Main Street Old Saybrook, CT 6475 Full Service B&M $210,996
    Liberty Bank 909 North Colony Road Wallingford, CT 6492 Full Service B&M $135,415
    Liberty Bank 970 Farmington Ave West Hartford, CT 6107 Full Service B&M $127,264
    Liberty Bank 981 Hopmeadow Street Simsbury, CT 6070 Full Service B&M $208,439

    For 2021, Liberty Bank had 59 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $185,508
    Net interest income $165,746
    Total noninterest income $47,330
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10,548
    Trading account gains and fees $0
    Additional Noninterest Income $36,782
    Pre-tax net operating income $62,888
    Securities gains (or losses, -) $40,355
    Income before extraordinary items $81,190
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $81,190
    Minority interest net income $0
    Net income $81,190
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $49,309

    Liberty Bank's gross interest income from loans was $185,508,000.
    Liberty Bank's net interest income from loans was $165,746,000.
    Liberty Bank's fee based income from loans was $10,548,000.
    Liberty Bank's net income from loans was $81,190,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,762
    Provision for credit losses $-5,521
    Total noninterest expense $155,709
    Salaries and employee benefits $88,998
    Premises and equipment expense $23,289
    Additional noninterest expense $43,422
    Applicable income taxes $22,053
    Net charge-offs $3,068
    Cash dividends $0

    Liberty Bank's interest expense for loans was $19,762,000.
    Liberty Bank's payroll and benefits expense were $88,998,000.
    Liberty Bank's property, plant and equipment expenses $23,289,000.

    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 $5,971,390
    Deposits held in domestic offices $5,971,390
    Deposits by Individuals, partnerships, and corporations $5,671,120
    Deposits by U.S. Government $3
    Deposits by States and political subdivisions in the U.S. $300,267
    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 $1,051,677
    Demand deposits $457,580
    Nontransaction accounts $4,919,713
    Money market deposit accounts (MMDAs) $1,615,227
    Other savings deposits (excluding MMDAs) $2,809,888
    Total time deposits $494,598
    Total time and savings deposits $5,513,810
    Noninterest-bearing deposits $1,834,268
    Interest-bearing deposits $4,137,122
    Retail deposits $5,902,611
    IRAs and Keogh plan accounts $113,464
    Brokered deposits $1,344
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,401,031
    Cash & Balances due from depository institutions $1,620,856
    Interest-bearing balances $1,561,768
    Total securities $1,371,822
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,053,811
    Loan and leases loss allowance $71,915
    Trading account assets $0
    Bank premises and fixed assets $49,345
    Other real estate owned $0
    Goodwill and other intangibles $72,051
    All other assets $233,146

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,401,031
    Total Liabilities $6,473,885
    Total deposits $5,971,390
    Interest-bearing deposits $4,137,122
    Deposits held in domestic offices $5,971,390
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $25,000
    Trading liabilities $0
    Other borrowed funds $380,717
    Subordinated debt $0
    All other liabilities $96,778

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,053,811
    Loan and leases loss allowance $71,915
    Total loans and leases (domestic) $4,125,726
    All real estate loans $3,308,257
    Real estate loans in domestic offices $3,308,257
    Construction and development loans $127,327
    Residential 1-4 family construction $25,881
    Other construction, all land development and other land $101,446
    Loans secured by nonfarm nonresidential properties $1,218,441
    Nonfarm nonresidential secured by owner-occupied properties $143,170
    Commercial real estate & other non-farm, non-residential $1,075,271
    Multifamily residential real estate $814,005
    1-4 family residential loans $1,148,484
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $769,360
    To non-U.S. addressees $0
    Loans to individuals $4,484
    Credit card loans $0
    Related Plans $203
    Consumer Auto Loans $110
    Other loans to individuals $4,171
    All other loans & leases $43,625
    Loans to foreign governments and official institutions $0
    Other loans $41,390
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $325,767
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $17,117
    Non 1-4 family restructured loans & leases $17,117
    Total loans and leases (foreign) $0

    Liberty Bank had $4,053,811,000 of loans outstanding in 2021. $3,308,257,000 of loans were in real estate loans. $127,327,000 of loans were in development loans. $814,005,000 of loans were in multifamily mortgage loans. $1,148,484,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $110,000 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 551 $149,312 $270,984
    Nonfarm, nonresidential loans - <$100k 31 $1,353 $43,645
    Nonfarm, nonresidential loans - $100-250k 188 $25,858 $137,543
    Nonfarm, nonresidential loans - $250k-1MM 332 $122,101 $367,774
    Commercial & Industrial, US addressed loans - <$1MM 2,566 $125,796 $49,024
    Commercial & Industrial, US addressed loans - <$100k 1,767 $34,501 $19,525
    Commercial & Industrial, US addressed loans - $100-250k 538 $38,109 $70,835
    Commercial & Industrial, US addressed loans - $250k-1MM 261 $53,186 $203,778