Liberty Savings Bank, F.S.B.
Wilmington, Ohio, Clinton County
$1.1B in total assets, the 968th largest of 4,309 US banks and 35th of 160 headquartered in Ohio.
- FDIC certificate
- 32242
- Established
- 1984
- Owned by
- James R Powell Revocable Trust
- Primary regulator
- OCC
- Website
- www.libertysavingsbank.com
At a glance
Compared with 27 banks headquartered in Ohio 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 | 4% | $1.6B | |
| Loans | $780M | 15% | $1.1B | |
| Deposits | $961M | 4% | $1.4B | |
| Return on assets | 0.19% | 2% | 1.21% | |
| Net interest margin | 1.62% | 4% | 3.65% | |
| Efficiency ratio | 77.1% | 93% | 58.4% | |
| Equity to assets | 7.65% | 4% | 10.27% | |
| Loans to deposits | 81% | 22% | 87% |
Growth
Total assets grew 3.8% a year over the last 5 years and 5.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 1996 | Colorado Savings Bank, F.S.B. Denver, CO | $274M |
| Oct 1991 | South Side Savings and Loan Association Lima, OH | n/a |
| Oct 1991 | South Side Savings Bank, FSB Lima, OH | $100M |
| Sep 1984 | Liberty Savings Association Lynchburg, OH | $30M |
Where they operate
6 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sarasota County, FL | $779M | 4.2% | 6 of 36 |
| Manatee County, FL | $130M | 1.2% | 14 of 26 |
| Clinton County, OH | $52M | 5.6% | 6 of 11 |
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 (10 to 6, −40.0%). 1 opened, 0 acquired, 5 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Closed Sarasota | 0 | 1 | −1 | 9 |
| 2020 | Closed Denver and Granby | 0 | 2 | −2 | 7 |
| 2021 | Sold 1 branch to First Financial Bank | 0 | 1 | −1 | 6 |
| 2024 | Closed Venice | 0 | 1 | −1 | 5 |
| 2025 | Opened Lakewood Ranch | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 90% | 32% | |
| Consumer | 9% | 4% | |
| Business (C&I) | 1% | 13% | |
| Farmland | 0% | 4% | |
| Commercial real estate | 0% | 30% | |
| Construction and land | 0% | 6% | |
| Multifamily | 0% | 7% | |
| Agricultural | 0% | 1% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 56% | |
| Time deposits | 40% | 24% | |
| Noninterest-bearing | 12% | 20% |
Brokered deposits are 0.9% of deposits (peers 5.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.37% | 0.60% |
| Net charge-offs, annualized | 0.21% | 0.02% |
| Reserves to loans | 1.00% | 1.11% |
| Leverage ratio | 9.61% | 10.45% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Sarasota County, FL
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/liberty-f-s-b