$135M
−3.8%y/y
Percentile by value63rd percentileby value
FDIC
LNLSGRLB
Liberty Bank Minnesota
Saint Cloud, MinnesotaFDIC Cert #26891
STATEEstablished 19876 branches
Holding company: LIBERTY FINL SERVICES ST CLOUDRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $345K |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $3M |
| 1–4 family | $127M |
| C&I | $299K |
| Agriculture | $0 |
| Other | $4.46M |
Loan book
Reported balances and balance-sheet intensity.
$133M
−3.8%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNET−3.81%
−204.9%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET50.5%
−7.5%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET + DEP45.7%
−8.4%y/y
Percentile by value16th percentileby value
FDIC
LNLSNET + ASSET111.22%
+1.0%y/y
Percentile by value99th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
7%
−47.5%y/y
Percentile by value7th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC7%
−47.5%y/y
Percentile by value22nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC9,057points
+5.0%y/y
Peer standing1st percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD0.26%
−45.1%y/y
Percentile by value8th percentileby value
FDIC
LNRENROW + LNLSGR0.00%
Percentile by value0th percentileby value
FDIC
LNRENROT + LNLSGR0.22%
+325.7%y/y
Percentile by value4th percentileby value
FDIC
LNCI + LNLSGR