When a bank lends you money, they're really just signing a piece of paper that says, "we've given this person X dollars", thus it counts as a liability, in that

When a bank lends you money, they're really just signing a piece of paper that says, "we've given this person X dollars", thus it counts as a liability, in that somebody could come calling for that money. Sorry, does not parse. When the bank lends you money, it's an asset for them. Like you mentioned elsewhere in your comment, deposit accounts are liabilities for the bank, because somebody (the depositor) could come calling for the money.