Liberty Bank is a bank based in Geraldine, Alabama, established in 1971, with $238 million in total assets across 7 branches. By Trust Grade it ranks 3rd of 93 banks we track in Alabama. Its capital ratio of 11.1% is stronger than 64% of similarly sized banks, versus a Alabama median of 10%. It was profitable over the most recent period, with a 1.62% return on assets. No consumer complaints against Liberty Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Liberty Bank compares to Alabama peers
How we graded Liberty Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Strongly profitable (ROA 1.62%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Liberty Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 40956 Alabama Highway 75, Geraldine, AL 35974
- 1660 Sardis Dr, Sardis City, AL 35956
- 15053 Alabama Highway 68, Crossville, AL 35962
- 5350 Alabama Highway 68, Collinsville, AL 35961
- 87615 Us Highway 278, Altoona, AL 35952
- 305 N Broad St, Albertville, AL 35950
- 1302 Gunter Ave, Guntersville, AL 35976
Are deposits at Liberty Bank insured?
Yes. Liberty Bank is an FDIC-insured bank (FDIC certificate #20429). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Liberty Bank: frequently asked questions
Is Liberty Bank a good bank?
Liberty Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Strongly profitable (ROA 1.62%).
Is Liberty Bank FDIC-insured?
Yes. Liberty Bank is a FDIC-insured bank (FDIC certificate #20429). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Liberty Bank?
Liberty Bank holds $238 million in total assets, ranking 3rd of 93 banks we track in Alabama. It operates 7 branches.
Does Liberty Bank have CFPB complaints?
No CFPB complaints against Liberty Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
