New Website 2018






News and Events

5 Star Rating for Liberty Savings Bank

Liberty Tower on the Silver Screen

Supporting the March of Dimes

Seasons Giving to Habitat South Sarasota

Manatee County Habitat for Humanity Donation

Martin Luther King, Jr. Day of Service





Our History

Liberty Savings Bank, F.S.B., was founded in 1889 in Highland County, Ohio, when a group of businessmen pooled their funds to create the Lynchburg Building and Loan Association. The Association was formed to help meet the community’s demand for home ownership, and over the years several business mergers helped to strengthen this small, rural bank.

In the late 1960s, Lynchburg Building and Loan Association merged with Superior Loan and Building to form Highland Savings Association. The company continued to grow and strengthen, and when a third office was opened in nearby Wilmington, in Clinton County, Ohio, the name was changed to Liberty Savings Association. James R. Powell acquired the company in September, 1984, renaming it Liberty Savings Bank, a Federal Savings Bank. With this federal thrift charter, Liberty gained more flexibility in the products and services it was able to offer. In 1985, Liberty Capital, Inc. was established to serve as the holding company for the savingsbank.

When Liberty Savings Bank came under the direction of James R. Powell in 1984, it had three small branches in Highland and Clinton Counties, in rural southwestern Ohio. Under his leadership, Liberty expanded into three additional states with over 40 Financial Centers serving communities in Colorado, Florida, Ohio and South Carolina.

In September, 2011, Liberty Savings Bank sold all of its Financial Centers in the Ohio region, and sold the South Carolina offices in April, 2012.  These sales provided Liberty a strong capitalized position and allowed the company to focus its synergy in serving its clients in the Colorado and Florida markets. Liberty has back-office operations in downtown Dayton, Ohio; Wilmington. Ohio; and Sarasota, Florida, to support its remaining Financial Centers.


The Liberty organization continues to be structured with Liberty Capital, Inc. as the holding company. At this time, the bank has one subsidiary, Villa Palma of Sarasota, Inc., formed to hold real estate property.  Two previous subsidiaries, Liberty Lending Services, Inc., a mortgage banking entity, and LPI Properties, Inc., a property management company, were merged into Liberty Savings Bank on April 1, 2003, and now operate as departments of the bank.  A third prior subsidiary, Liberty Investment Services, was merged into the bank on January 1, 2005.  It was registered as a trade name and used as a marketing device for the investment services function until that function and book of business was sold to a third party on November 6, 2017.

Products & Services

Liberty Savings Bank, F.S.B., takes a client-centered approach to financial services, providing a full range of both consumer and business products and services.  From checking and savings accounts to 24-hour banking, mortgages, and more, Liberty Savings Bank, F.S.B., is proud to provide communities with services tailored to meet clients’needs.

In 2015, the “Liberty Health Bank” was created, a trade-marked name under which Liberty Savings Bank offers and promotes the use of Health Savings Accounts (HSAs) on a nationwide basis.  Liberty works with employers, benefit brokers, and third party administrators to offer HSA accounts to individual employees.

Community Support

Liberty proudly supports the communities it serves. Examples of support include: event sponsorships; donations; and fund-raising efforts to enrich charitable causes.

Commitment & Values

Liberty strives to create an exceptional banking experience for each of our clients. Our Interest Is In You is more than our tagline, it’s our way of doing business. Client satisfaction is at the root of everything we do. To us, you are more than a person with a bank account; you are a person we are privileged to serve.

We hope that the information on our web site is helpful and gives you an idea of who we are and what we can do for you.  But if you have questions, please contact us for more information.

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