Bank · FDIC insured
Liberty Bank
A $258.6M bank headquartered in Geraldine, AL, with 7 branches in Alabama.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Liberty Bank
Founded in 1971, Liberty Bank serves Dekalb, Marshall, Cherokee, Etowah, and Blount counties in North Alabama.
- Headquarters
- 40956 Alabama Highway 75, Geraldine, AL 35974
- FDIC certificate
- 20429 ↗
Branches
7 branches in Alabama
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Alabama
7 branches
Geraldine area · 1
- Liberty BankMain office40956 Alabama Highway 75, Geraldine, AL 35974Directions
Albertville area · 1
- Albertville Branch305 N Broad St, Albertville, AL 35950Directions
Altoona area · 1
- Snead Branch87615 Us Highway 278, Altoona, AL 35952Directions
Collinsville area · 1
- Collinsville Branch5350 Alabama Highway 68, Collinsville, AL 35961Directions
Crossville area · 1
- Crossville Branch15053 Alabama Highway 68, Crossville, AL 35962Directions
Guntersville area · 1
- Guntersville Branch1302 Gunter Ave, Guntersville, AL 35976Directions
Sardis City area · 1
- Sardis Road Branch1660 Sardis Dr, Sardis City, AL 35956Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.30% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.15% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.69% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio11.30%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.69%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Liberty Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.