Liberty Bank and Trust Company
New Orleans, Louisiana, Orleans County
$1.1B in total assets, the 959th largest of 4,309 US banks and 17th of 104 headquartered in Louisiana.
- FDIC certificate
- 20856
- Established
- 1972
- Owned by
- Liberty Financial Services Inc
- Primary regulator
- FDIC
- Website
- www.libertybank.net
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 12% | $1.4B | |
| Loans | $636M | 12% | $1.0B | |
| Deposits | $984M | 18% | $1.2B | |
| Return on assets | 0.78% | 24% | 1.18% | |
| Net interest margin | 4.14% | 47% | 4.20% | |
| Efficiency ratio | 70.9% | 75% | 66.5% | |
| Equity to assets | 11.08% | 47% | 11.33% | |
| Loans to deposits | 65% | 24% | 80% |
Growth
Total assets grew 4.9% a year over the last 5 years and 6.2% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2021 | Tri-State Bank of Memphis Memphis, TN | $110M |
| Apr 2020 | Metro Bank Louisville, KY | $27M |
| Mar 2015 | First Tuskegee Bank Tuskegee, AL | $52M |
| Feb 2013 | Covenant Bank Chicago, IL | $58M |
| Nov 2009 | Home Federal Savings Bank Detroit, MI | $13M |
| Apr 2009 | United Bank and Trust Company New Orleans, LA | $25M |
| Jan 2008 | Douglass National Bank Kansas City, MO | $53M |
| Jul 2003 | First American Bank Jackson, MS | $21M |
| Apr 1994 | Carrollton Homestead Association, F.A. New Orleans, LA | $19M |
| Mar 1994 | Life Federal Savings Bank Baton Rouge, LA | $11M |
Where they operate
15 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Orleans County, LA | $566M | 2.9% | 6 of 20 |
| Wayne County, MI | $105M | 0.1% | 12 of 15 |
| Shelby County, TN | $89M | 0.2% | 27 of 33 |
| Montgomery County, AL | $61M | 0.8% | 16 of 20 |
| Cook County, IL | $46M | 0.0% | 82 of 90 |
| East Baton Rouge County, LA | $31M | 0.2% | 23 of 35 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 4 branches since 2016 (19 to 15, −21.1%). 2 opened, 2 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 19 | |||
| 2016 | Closed Montgomery and Opelousas | 0 | 2 | −2 | 17 |
| 2017 | Opened MontgomeryClosed Montgomery | 1 | 1 | 0 | 17 |
| 2018 | Closed Chicago | 0 | 1 | −1 | 16 |
| 2020 | Acquired Metro BankClosed Baton Rouge | 1 | 1 | 0 | 16 |
| 2021 | Acquired Tri-State Bank of Memphis | 1 | 0 | +1 | 17 |
| 2022 | Opened Kansas CityClosed Kansas City and Louisville | 1 | 2 | −1 | 16 |
| 2026 through Q2 | Closed New Orleans | 0 | 1 | −1 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 36% | 26% | |
| Commercial real estate | 34% | 33% | |
| Business (C&I) | 12% | 15% | |
| Multifamily | 6% | 4% | |
| Construction and land | 5% | 9% | |
| Consumer | 2% | 5% | |
| Agricultural | 0% | 1% | |
| Farmland | 0% | 2% | |
| Other | 5% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 43% | |
| Time deposits | 33% | 38% | |
| Noninterest-bearing | 25% | 19% |
Brokered deposits are 0.0% of deposits (peers 9.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.84% | 1.20% |
| Net charge-offs, annualized | 0.23% | 0.12% |
| Reserves to loans | 1.14% | 1.18% |
| Leverage ratio | 11.35% | 11.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in Orleans County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/liberty-bank-trust-new-orleans-la