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BDI
LB

Liberty Bank

Geraldine, AlabamaFDIC Cert #20429

STATEEstablished 19719 branches

Holding company: FIRST BCORP OF GERALDINE INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.69%
−8.6%y/y
Peer standing19th percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.26%
+11.9%y/y
Peer standing17th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.16%
−3.5%y/y
Peer standing56th percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
0.42%
+5.4%y/y
Peer standing49th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.31%
+9.9%y/y
Peer standing48th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$746K
+22.9%y/y
Peer standing41st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.01%
−13.9%y/y
Peer standing37th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
$3K
0.0%y/y
Peer standing35th percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.01%
+0.5%y/y
Percentile by value28th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$2.99M
+6.5%y/y
Peer standing9th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$458K
+30.5%y/y
Peer standing12th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$288K
+12.5%y/y
Peer standing49th percentile
Peer standing in asset:100m_300m
FDICNAASSET