At a glance
From its website, read 2 Nov 2026Liberty Bank and Trust Company is a bank or thrift based in New Orleans, Louisiana. Its website describes auto loans, commercial real estate loans, equipment loans and 5 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.libertybank.net |
| Office (official list) | 6600 Plaza Drive STE 600, New Orleans, LA 70127 |
What their website says about applying
You can begin the application process online by
sourceProof of identity, such as a driver's license or another form of identification
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 9% to 18% | source |
| Personal / consumer loans | Term: see their wording | 12 to 36 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
Freedom Fast Loans are Liberty Bank's unsecured personal loans
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 283438 |
| Address | 6600 Plaza Drive STE 600, New Orleans, LA 70127 Directions (Google Maps) |
| Website | www.libertybank.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or borrower eligibility is stated on the pages fetched, and no minimum loan amount is given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | That's why we offer flexible loans with competitive interest rates for both new and used vehicles. | source |
| Commercial real estate loans | — | we offer solid Commercial Real Estate Loans to help you move forward quickly | source |
| Equipment loans | — | Liberty Bank can offer the Equipment Financing your business needs | source |
| Home repair / improvement loans | — | With a Renovation loan, you will have funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxury upgrades. | source |
| Home mortgages | — | With a mortgage loan from Liberty Bank, you're free to pursue your dreams for homeownership | source |
| Personal / consumer loans | up to $25,000 | Freedom Fast Loans are Liberty Bank's unsecured personal loans. Available at amounts up to $25,000, these loans are an excellent choice if you need | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | More about SBA Loans | source |
| Small-business loans | up to $50,000 | Loan amounts up to $50,000.00 | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. You can begin the application process online by
source
Pages read (7)
- https://www.libertybank.net/
- https://www.libertybank.net/personal-banking/personal-lending/personal-loans/
- https://www.libertybank.net/commercial-banking/team/
- https://www.libertybank.net/personal-banking/personal-lending/
- https://www.libertybank.net/business-banking/lending-financing/
- https://www.libertybank.net/resources/financial-wellness-program/
- https://www.libertybank.net/personal-banking/home-mortgage-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.4 million in 19 awards from the U.S. Treasury's CDFI Fund, 2001–2024 (Bank Enterprise Award Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Bank Enterprise Award Program | $43,733 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $700,000 |
| 2008 | Bank Enterprise Award Program | $675,000 |
| 2007 | CDFI Program, Financial Assistance | $825,400 |
| 2001 | Bank Enterprise Award Program | $110,000 |
New Markets Tax Credit allocations
$130 million in 3 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2008 | New Markets Tax Credit allocation | $20,000,000 |
| 2006 | New Markets Tax Credit allocation | $60,000,000 |
| 2002 | New Markets Tax Credit allocation | $50,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Liberty Bank and Trust Company (FDIC cert 20856). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 16 in 10 states (as of 30 Oct 2026) |
Offices by state and county (16)
Louisiana (6 offices)
- East Baton Rouge Parish (2): 4707 Perkins Rd, Baton Rouge 70808; 7990 Scenic Hwy, Baton Rouge 70807
- Orleans Parish (4): 2714 Canal St, New Orleans 70119; 3002 Gentilly Blvd, New Orleans 70122; 3535 General Degaulle Dr, New Orleans 70114; 7200 Crowder Blvd, New Orleans 70127
Alabama (2 offices)
- Macon County (1): 301 N Elm St, Tuskegee 36083
- Montgomery County (1): 4141 Carmichael Rd, Montgomery 36106
Georgia (1 office)
- DeKalb County (1): 3006 Clairmont Rd Ne, Brookhaven 30329
Illinois (1 office)
- Cook County (1): 7610 Roosevelt Rd, Forest Park 60130
Kansas (1 office)
- Wyandotte County (1): 4850 State Ave, Kansas City 66102
Michigan (1 office)
- Wayne County (1): 9108 Woodward Ave, Detroit 48202
Mississippi (1 office)
- Hinds County (1): 2325 Livingston Rd, Jackson 39213
Missouri (1 office)
- Jackson County (1): 4701 Troost Ave, Kansas City 64110
Tennessee (1 office)
- Shelby County (1): 4606 Elvis Presley Blvd, Memphis 38116
Texas (1 office)
- Harris County (1): 1509 Wentworth St, Houston 77004
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Liberty Bank and Trust Company (RSSD 283438, FDIC cert 20856). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $636.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.7% from $619.8 million on 30 Jun 2025 |
| Total assets | $1.13 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $224.5 million | 35.3% |
| Home equity lines of credit | $4.5 million | 0.7% |
| Commercial real estate, construction and multifamily | $288.2 million | 45.3% |
| Commercial and industrial (business) loans | $73.6 million | 11.6% |
| Farmland and farm production loans | $199,000 | <0.1% |
| Consumer loans (credit cards, auto, other) | $14.7 million | 2.3% |
| All other loans and leases | $30.6 million | 4.8% |
Within consumer loans: auto loans $1.8 million, credit cards $6.8 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 18 loans $839,000 | 192 loans $5.2 million |
| $100,001 to $250,000 | 15 loans $2.8 million | 24 loans $2.4 million |
| $250,001 to $1 million | 39 loans $22.3 million | 23 loans $10.1 million |
| All small business loans | 72 loans $25.9 million | 239 loans $17.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | none reported | none reported |
| $100,001 to $250,000 | none reported | 2 loans $199,000 |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | none reported | 2 loans $199,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Liberty Bank and Trust Company reported 192 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $57M (median loan about $195,000). 159 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 159 | 83% |
| Refinance (incl. 19 cash-out) | 26 | 14% |
| Home improvement | 4 | 2.1% |
| Other purpose | 3 | 1.6% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 101 | 53% |
| FHA-insured | 81 | 42% |
| VA-guaranteed | 7 | 3.6% |
| USDA (RHS or FSA) | 3 | 1.6% |
Where the loans were made
Counties with the most 2025 originations, out of 54 counties with at least one; 51% of its 2025 loans were for properties in Louisiana:
- Orleans Parish, LA (57)
- Cook County, IL (16)
- Hinds County, MS (15)
- East Baton Rouge Parish, LA (12)
- Warren County, MS (8)
- Jefferson Parish, LA (7)
- St. Tammany Parish, LA (7)
- Wayne County, MI (6)
Filed under LEI 549300OJTK0IPSNDA832 as “Liberty Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $150,000 (19 loans) | All 7(a) lenders in Louisiana: $250,000. Larger than the median loan of 42% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 7 → 4 | Rank among the 19 certified CDFIs in Louisiana with SBA approvals in either period: 3 → 4. |
| Total assets (Call Report, 30 Jun 2026) | $1.13 billion | Larger than 94% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 56% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $619.8 million → $636.3 million (+3%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 5 → 5. |
| Home loans originated in 2025 (HMDA) | 192 | More than 66% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 42% |
| SBA approvals then vs now | certified CDFIs in Louisiana with SBA approvals FY2023–2026 | 18 | rank 3 → 4 of 19 |
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 94% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 5 → 5 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 66% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 19 SBA-backed approvals for Liberty Bank and Trust Company in fiscal years 2020–2026 (October 2019 to September 2026):
- 19 7(a) loans as the lender: $4.9M in total (gross amount approved), median $150,000
By fiscal year: FY2020 1 · FY2021 1 · FY2022 6 · FY2023 4 · FY2024 3 · FY2025 3 · FY2026 1.
What actually happened
- Size of its 7(a) loans: half were between $100,000 and $182,500, median $150,000 (19 loans)
- Term of its 7(a) loans: median 120 months (10 years) (19 loans)
- Fixed or variable: 5% of its 7(a) loans had a fixed rate (19 loans)
- Young businesses: 58% of its 7(a) loans went to a startup or a business two years old or less (19 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) SBA Express (13, 68%)
- 7(a) standard (6, 32%)
Borrower industries
NAICS sector, 3 or more loans.
- Construction (4)
- Health care and social assistance (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: FDIC cert 20856, found through the RSSD ID on the CDFI Fund list (SBA lists “Liberty Bank and Trust Company”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Liberty Bank and Trust Company may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in New Orleans and Louisiana
- Instep Federal Credit UnionCredit union · New Orleans, LAAuto / vehicle loans, Personal / consumer loansVerified
- Liberty Financial Services, Inc.Bank holding company · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- NEWCORP, INC.Loan fund · New Orleans, LAMicroloansVerified
- UNO FEDERAL CREDIT UNIONCredit union · New Orleans, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
Work at Liberty Bank and Trust Company? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.